As a Loan officer, i have relationships with various other banks and have identified my chosen institution that will allow me to put down 15% of the original purchase price and no more, so long as the "Arv appraisal has a loan to value of 85% still.

HGTV, institutional investors, and mass wholesaling have driven up the price of investing over the last few years.

This is a smaller area so I would prefer to hire separate local sub contractors to do the work if possible but not sure if a lending institution would typically frown at that.

There are institutional note investors who accept referrals, even from new "note finders", and will then purchase the note by 'walking" you through the entire process.

What type institutions originate these type loans?

Both the Urban Institute and Market Watch reported on recent data put out by the Federal Housing Finance Agency that demonstrates the appreciation of manufactured housing in direct relation to traditional site-built housing.

 O institutional loan “allows” a sub2, but yes it is done every day.....with risks.

I am getting ready to purchase our first investment property (duplex) and working with the lending institution, I learned from them I have to have 25% down in order to purchase due to Fannie Mae.

Do I search out large institutional banks or smaller local community banks? 

I pay my rent early, every month to my “landlord” (it’s an institutional level landlord), sometimes 2 weeks early.