I believe sharing our experiences and strategies can help us all navigate this new regulatory landscape more effectively.

Many times experience of the buyer, credit history and reserves in addition to what income the property can produce will factor in how the lender will structure the loan. 

I am looking into growing my investor clientele, and would appreciate anybody that has any experience with this or can give any insight.

For those who have employees what was that experience like?

It's great to have you here.Here are some recommendations for you:Find and connect with other BP members that are in your area: http://www.biggerpockets.com/m...Set up keyword alerts to be notified of the topics that interest you: http://www.biggerpockets.com/a...Read Beginner’s Guide: http://www.biggerpockets.com/r...Check out BP Money Podcast: https://www.biggerpockets.com/..

Does anyone have any experience bidding on auctions that don’t meet the reserve?

It's not a perfect gauge of demand because you don't know how long each guest stayed and in my experience anywhere from a quarter to a third of guests don't leave reviews anyway.

Read as many RE books as you can get your hands on.

You will learn more and learn better by reading some books.1.

With my limited experience explained, here's the situation.I have ear marked a good amount to start real estate investing.