I really think the prior buyers were attempting to use an FHA type product or they were using a large national bank.

Thanks Doug, I have been checking around the forums and it's been productive.

My company does quite a bit of work on the Oregon coast, but we are a little further south (I, of course, would be more than happy to talk to you about interior finish products that we can deliver - but have one of your more local contractors install - ie. flooring, tile and cabinets -being the good sales woman that I am :) .

All lenders have different criteria for different types of loan products and different types of borrowers.

Just be careful what you ask your broker and realize that he/she probably gets paid more to sell you crappier products that might benefit the company more than you. 

The Asian markets have much better products though.

I just want the best product with the lowest rate to borrow $600k from my assets.

Quote from @John Allen: I don't know what the "best" option is, but I like these Schlage locks: https://www.build.com/product/...Easy to install, codes are easy to set, you can have more than one code, and there's a key backup.

I had dealt with Silver Hill in the past and they had offered this product about 2 months ago.

:roll: I`m looking for product and method recommendations for dealing with this problem.