Would love to hear more opinions from folks with fist-hand experience.My first thought was that maybe you'd have better chances targeting distressed properties specifically, but at the 100+ unit level, it's likely that a property does not stay "distressed" for long before the investors or bankers step in with some drastic measures

The banker told me I had to own the property for a year before I could refinance at the appraised value of the house.

I'm currently working full time bankers hours, and this is slowing my education and starting the business. 

I ended up joining Coldwell Banker and have really enjoyed it.There are certainly a number of brokers that operate on a fee basis (instead of commission split), but they likely won't provide as much training or support. 

We've got a banker that's willing to lend to 0% LTV and 100% of construction costs, IF the development prospect is good enough.

Bankers still do make house calls.

You probably know it is such a complicated loan (for the same amount of commission) that most Bankers and Brokers just don't bother. 

Just wondering, how well the government is going to enforce Dodd-Frank since they let the bankers and mortgage lenders destroy most of the world economy and none of those big boys ever went to jail?  

Then I have a banker who will give me 5% 20yr notes on pretty much anything I give him.

The banker round about told me, without me asking, that they do not check and frankly he does not care because either way the bank gets their money.