I ask because the city of Orlando recently passed some strict restrictions.

I want to do what’s most efficient and cost effective for the long haul since this is strictly a buy and hold property.

Can you give me some zip codes?

We have to hold a pretty strict line or the forums will quickly get overrun like most online forums.

Even if I plug in a Montana zip code to get the flyover country interest rate pricing, the HIGHEST priced lender I typically work with (for really difficult scenarios) is at 0.78 points for the exact same scenario in the small print here where they are advertising it at 2 points (scroll down past the trophies to see the advertisement "assumptions") for the exact same scenario.

IF there is a reason that you want to stick with this loan officer, you could *try* the approach I used to take with our local building inspector who thought *his* opinion mattered more than what the "rules" said on our construction project we do.He would tell my customers that "you need to do it 'this' way or 'that' way" which often was not accurate to what the code says (being a licensed contractor I know the code pretty well).I told my customers to ask him "can you show me in writing what covers this issue so I can better understand it".

Thank you James.I am aware of Warrensville hts and Bedford Hts falling in that zip code and are desirable neighborhoods for investment.

These are professionals with additional training and a stricter code of ethics.

@James Roux I think that zip code is headed for bigger and better things but I don't think it will be Single family.

(I have used the HUD website to find the FMR for Baltimore county but was wondering if it could be broken down by neighborhood or at least by zip code.)