They want a cash offer of $128,000 for both properties.My question to you guys is would I be able to use a hard money lender to obtain the property with cash and then refinance the property through a bank to obtain my mortgage?

I've gotten a few weird looks when I've asked at a few banks in my area.

Closing was four months, but that is because it was a foreclosure and things tend to move more slowly (depending on what bank owns it and how much they care about liquidating that asset).

Originally posted by @Kevin Westmoreland:It’s a PHA housing 1 year lease What would you say if the bank called tomorrow and asked you to sign for a new mortgage rate that was 2% higher than the one you have?

Banks lending with 0 down and other stupid practices also added to this.

For transactions where a TDS (Transfer Disclosure Statement) is required, I'm curious if there is anything in the code/law which states the timeline for those disclosures to be made to Buyer? 

Depending on your situation, you could live in a unit finance via FHA w/ 3.5% down and bank the other two units. 

I am interested in real estate (like we all are), but have only had exposure to commercial real estate (currently work at largest bank in Nyc in Global Real Estate Portfolio Management).

I've contact Commonfund, Solvay Bank and Prime Lending...seems the best rate for a sfr investment is 6.1% with 760 credit score and $100k+ income, $100k+ in bank and we are renting for $900/month.Is this the best I can get?

I did try a few local banks, but they want to use my personal income and credit score for loan decision rather than asset based.