Look into getting an FHA loan, talk to a lender and see what you might be missing to qualify.. might need a little more income or more credit, a good lender will point you in the right direction if you couldn't immediately qualify that is. 

The lender that I have been using has informed me that the condo is not Fannie Mae approved due to the fact that one owner owns more than 10% of the units. 

But I just don't know enough about the op or the market or local lenders to make a recommendation.I see stuff like this and don't know what to think:http://www.loopnet.com/Listing/19685618/1611-Steve...http://www.loopnet.com/Listing/19851952/6606-Lockw...I would think that @Stephen Gantz would benefit from posting an address, neighborhood, or at least a zip code here to let some of the experienced locals chime in.  

Account Closed,Lenders typically start their own "wheels" in motion after the third missed payment, but it can still take a while before they get to the point of beginning the process of foreclosure.That said, Brian called it: offer him what he owes  - you decide if you want to give him any more than that as an incentive to cooperate.

My company is a buyer and private lender on lower ARV $ SFR properties throughout the U.S.Wishing you continued success.

They are homes in great shape but not real expensive ...anyone know of a lender that I can use to get this refi at a decent rate?

Multi-Units frequently have a single metered water service and the LL pays water.City Trash (plus sewer fees if any) are also paid by the LL.Other expenses include:PMI (if you're paying this, you didn't put enough downpayment)Taxes & Insurance (if you pay PMI, then the lender WILL wrap these into your mortgage payments)mileagepest controlprofessional fees (CPA + City Business License)Legal Fees (Evictions & Collections)yard maint.telephone serviceutilitiesmortgage interestHOA fees (if any)repairsInternet Access ( a] if you provide access to the local carrier & b] lease prohibits personal accounts)

Also, does anyone have recommendation on commercial lenders in Bay Area?

I'm in NOVA but I use a lender out of Richmond.

In need of some lenders for some loans.