Traditional banks have strict guidelines they must follow regarding income. 

So if we do well, they are banking on making more that way, rather than if I borrow more, then they make more.

Does anyone have a good bank recommendation in Indianapolis for single family refinance loans?

I purchased a foreclosure duplex 4 years ago and used the banks recommended Title agent and purchased Title insurance.

If you believe that a mortgage company or bank is discriminatory towards your child, you might want to contact a lawyer.

If someone would give me that I would be laughing all the way to the bank 

@Spender Hoyt -  You must be working with a single branch mom and pop bank because no reputable bank in the country would work directly with you.

I'm starting to lose my patience especially when I make a fair offer on a house that the offer is supported by half a dozen comps but yet the bank won't budge but then I'll see a better property that was listed for more that sold for half the price...Maybe this is some real bad luck here I do not know.

For example, I've read on another BP thread that if you buy a $100k property and use only $20k as a down-payment, and $80k in debt from either a private lender or bank, that you would then be required to invest only $20k to improve the property (not a full $100k as others have suggested).Those are just basic number to get the gist across. 

Also, you generally cant leverage since banks won't allow you to fly uninsured!