Do they smoke and have smashed down McDonalds bags pushed so far into the floorboards that it now resembles carpet?

It's time to shop your insurance.

Definitely shop around.

Glad I asked, otherwise I wouldn't have shopped further.  

 - Maybe you should start shopping for a friendlier bank.Good Luck

If you're doing just a conventional mortgage I would shop around at the Credit Unions.

To show my authenticity I tell them about a couple of my properties to give them a warm fuzzy or talk shop "do you follow Biggerpockets, MrLandlord, or some recent L/T law passed.  

Or in better terms " the game of hot potatoes"- who or which investor is getting stuck holding the bag.

I have a client that own land out right and she want to start out  building about 4 houses and then moving forward with a small subdivision the houses will be 90k -120k range.I'm running into several local Realtors who have set up shop per say with a builder and don't want to release the builder name due to some type of agreement they have to represent this builder. 

but I always thought something would happen being on a freeway over change main road and right behind home depot.We got swept up with a bigger developer who is doing 50 acre across the street from us and directly in front of the casino.. so they paid for the EIR and specific plan and we just came in as stake holders.they pre zoned us mixed use resi.. and as you know in RP there is NO new resi.. so I thinking maybe a little lite office shop on bottom and stack as many condo's as I can on top  LOL... would be my retirement project and I would move there to build it out..