I find one of the best ways to find HML’s and community bankers is through your local REIA or meetups.  

Bankers like you going up and down in loc or helocs with lower interest rates only increase the cash in your pockets. oh darn, all that cash in your pockets! 

My banker offered the option to use HELOC or HELOAN.

I am a former USAF EOD technician turned mortgage banker.  

Additionally, I have gotten burned a couple times when bankers tell me they don’t have such seasoning requirements and I find out AFTER the application process that they do.

Bankers jobs are to make loans and if you have a successful track record they might do a loan on the property without the net worth being equal to the apt.

Typically you will only find these loans with Brokers or Bankers.

. :-) Never offer more information than asked...the average banker will not be impressed with your grand goals.

The big names for PM in town seem to be Ellison Property Management (Coldwell Banker), Mike Heasly (Homerun Realty), Judi Brady (Remax) and Carolyn Roberts (Roberts Real Estate).Everything is negotiable, but most are charging 8-10%, plus a month's rent for placement (listing agent gets half a month, leasing agent gets the other half).

I essentially interviewed bankers and told them exactly what I wanted.I got it and did in 3 weeks, no closing costs.