As an investor, you would want to see a committed investment from major institutions and the government to turn around those trends to be comfortable with the opportunity. 

Start with your current lien holder, then with community banks and other institutional lenders.

The auctioneer website says the following: Please provide a letter of credit from your banking institution on official letterhead signed by bank officer/employee.

Every area is different, but the areas I am in I see plenty of institutional and family run investment shops going hard.

Every mortgage lender/bank/financial institution is the same as far as when they can make their first filing.

i don't know that i see institutional ownership of single family homes increasing at the same pace, though. 

I recommend a small lending institution.

That enormous gap between rent and mortgage is essentially why institutional investors (Wall Street) have stopped buying for now.

(I think most are good but there are some issues - for example, the private lender definition IMO shouldn't specify lending to LLCs only)https://nplaonline.com/wp-content/uploads/2023/06/NPLA-Priva...Sample (full link above)BrokerAn intermediary who connects borrowerswith lenders, helping to facilitate loantransactions and negotiate terms.Correspondent LenderA financial institution that originates andfunds loans on behalf of a larger lender,such as a bank or mortgage company, withthe larger lender purchasing the loansshortly after closing.Direct or Retail LenderA lender that originates and funds loansdirectly to the borrower rather than workingthrough intermediaries such as brokers orother financial institutions.Private LenderAn individual, group, or company thatprovides 1-4 family and/or small balancemultifamily/commercial property loans forreal estate transactions.

Nonsense.The law says, "Each security deposit shall be placed by the landlord in an escrow bank account in a federally-insured banking institution with an office that accepts deposits within the State.