I do apologize if my previous remark came across as snarky -- I do get a little passionate when IMHO I see other investors potentially getting ripped off.I think what it really comes down to is that you and I have a fundamental difference in belief over what is fair or reasonable (perhaps this is because of the regions we are familiar with).

@Justin Peila Have you looked into Pacific Mortgage Center?

I'm jumping in with both feet and I want to meet as many people as possible. My background has been banking and now debt settlement and my soul has been quickly sucked dry. I have wanted to be a real estate investor f...

I have a few at 1 million for retail.At your level you are talking local to regional banks and credit unions.

I'd recommend looking at some of the market leaders in your locality as well as the region before deciding what you want your brand to embody. 

Would anyone from northwest Indiana or an investor from outside the region who invests in Northwest Indiana willing to refer a contractor.

We're talking a 9.0 quake and the regional disaster crews just held a drill:  http://www.theheraldbusinessjournal.com/article/20160607/NEWS03/160609401 I hope that his family home is on high ground...As for myself, I've completely stopped looking at saltwater frontage and the lowlands east of Everett, except for the TDR credits that I can clip off to resell. 

These institutions have a vested interest in their Local Communities and typically offer better terms then Regional and Big Banks.

I am still full time at my day job, which is being a Sales Engineering Manager for the West Region in the Telecommunications industry.

Would you have recommendations for specific regions in Ohio or mid-west that I should put on my radar to identify some of the deals that you mention ?