The CRE guys typically have more lending authority and you may not have to go through loan committee if you're talking to the right guys/gals.I am a reformed CRE investor leveraging my long time relationships so YMMV but the underlying principles should apply.  

SAMPLE LETTERS**IF YOU HAVE A REAL ESTATE LICENSE*Dear Senator [name];My name is Vena Jones-Cox and I am a life-long resident of Cincinnati.I am writing you to encourage you to vote NO on HR 1728, the "Mortgage Reform and Anti-Predatory Lending Act".While many of the provisions of the act are positive steps toward mortgage reform, the inclusion of private owners in the act (see section 101(3)(e)) will enormously reduce the housing choice of Ohioans and the ability of home owners to sell properties in this already-slow market.As a real estate broker, I have seen several dozen cases in the past year of home sellers and buyers coming to an agreement for an installment sale on a property that the owner desperately needed to sell (often to avoid foreclosure) and the buyer desperately wanted to buy, but could not raise the downpayment needed for conventional financing.In all cases, these sales turned out to be win-win deals for the buyer and seller; the seller was able to get rid of an unwanted property to a buyer who loved it, and the buyer was able to get his new home at an affordable payment and interest rates with none of the usual costs (points, application fees etc) inherent in more conventional mortgage transactions.In Ohio, these transactions are already regulated by state law: a low maximum interest rate is already in place, and both the buyer and seller are protected by other regulations at the state level.In defense of private property rights, owners should be exempted from the burdensome and unnecessary rules that this law foists upon them.

However, under the new tax reform rules, they are less likely to save money with these deductions.

And it's very important to keep in mind that the 1031 exchange rules got much more complicated after the tax reform when it comes to accelerated depreciation and cost segregation.

Dodd-Frank Wall Street Reform and Consumer Protection Act: Under this Act new rules were applied to owner financing.Balloon payments: may not be an option and you might have to involve a mortgage loan originator depending on the number of properties you owner finance each year. 

Rising rates will expose the unsustainable spending in the US, and the obvious, but hard, choices to end or painfully reform social security, medicaid, and other large buckets of the American safety net will be made, and the transition away from these unsustainable solutions will begin.If this (ridiculous, I know) take that the American government and Federal Reserve will, over the next few years, operate the way it is supposed to and do it's job, less bad than any other major world economy, then, this means a reset to a new normal that we have to prepare for.It's also the mark of a major shift of wealth away from the owners of capital and towards the laborer.

If a registered sex offender, reformed or not, moves into your immediate neighborhood, it's bad financial news.

If you want to stir your teacher friends up, ask them how they feel about Obama's education reform package.

Still a bit hesitant due to Dutch tenant laws, but politics and reforms will result in a more market approach of the housing market. 

http://www.reformbc.net/reconcile.htm Here's a exerpt: "Reform notes that the Sidley Austin law firm and the newly-bankrupt KPMG Consulting have been selling fake real-estate and Olympic debt through a Fortress Investment hedge fund to “sophisticated institutional investors†which face a growing risk of a pension fund default."