Yes, I've heard that with first bank, but to be fair, I've heard many people complain about all 3 of them.   

But are more complex and expensive.If the market is fairly balanced you should be able to sell those in such a way that you can make a consolidation excnange work for you.  

Thats fairly accurate.

Bam, now I can in fact somewhat speak "in general," and I can say that with a fair degree of confidence BECAUSE I've zoomed into that one thing.

There ARE people able to create enough hype, misdirection, and lies to successfully conduct a “Capital raise” without possessing the experience, education, knowledge and analytical ability necessary to have a fair shot at success.  

My  ultimate goal is to buy and hold but with the higher interest rates I am trying my hand at flipping since its difficult to cashflow with a long term rental.I am  about to complete my first flip project and  wanted to weigh my options between selling or keeping as a mid term rental. 1) I am curious how the market is fairing particularly in Garland Texas.

I dont know who wants to buy RE with no real expectation that the asset will appreciate a fair bit over the hold period..

Forming little groups in the background to down vote certain individuals comments based on skin color, or religion, or perceived political leanings seems like something we could all do without on this forum.

I know the podcasts and books speak about being in a deal with zero skin in the game, but that is an outlier situation not the norm. 

If they are VERY professional, they will have their processes in writing as verification that it is enforced equally and fairly by their entire staff.6.