My question is, are the rates/terms substantially better if I were to look at the local community banks/credit unions?  

The tricks are going to be finding a local community bank that will allow you to do C/O Refinances with a 75-80% LTV and buying deals where you are all in for less than 75% of ARV.

Been listening to podcasts and doing a lot of reading and it won't surprise anyone that I find this community to be an amazing resource full of some really thoughtful and kind individuals.We are currently making an offer on a piece of land up in the Seattle area (hopefully around $170k) that appealed to us because of it's location for a possible home when we retire.

Go to your local community bank - they may lend based on fair market value with no value seasoning restrictions.

Hello Everybody,Let me start with I know I need to seek professional advice and I know any comments made here are just the opinion of others, but in this community I value the input of others greatly.

@Jeff Engebretsen welcome to the BiggerPockets community!

Hello BP Community,  I am encountering a constant obstacle which is hindering my growth & advancement as an investor.

Voter-approved bonds can increase the 1% base rate, such as bonds providing funding for schools, parks, or other community services.

Hey BP community: I'll soon begin a rehab on a commercial property in DC.

Has this community thought about or have experience with Cell Towers?