Not necessarily true.

@Deion Moore that’s definitely true.

So, scale this up and what's probably true is that every agent, lender, title officer, and PM has heard a similar story over and over, with a lot of flash and no sizzle.Because of this, when people come to me with the following it is shockingly affective in getting the best out of me, and I would think this would work with any agent worth working with:- A plan . . . a realistic plan. 

I spoke with a lender who said I can’t get a fha loan in Philadelphia, how true is this?

@Joseph Dykes  Bad tenants will keep the property values down in all the properties, depending on true proximity. 

First thing we tell people is 'we are already working with others' and it is always true.

@Jacob Oser Actually... the exact opposite can be true.  

In the 6-9 range, even though these are commercial from a lending perspective, you are sort of the middle ground of what I consider true commercial owners/investors and mom and pop owners.Sources you can use: LoopNet and MLS.

Please DM me if this holds any interest for you and I can give you the name of the Broker agent who can provide you with his opinion as to whether or not you have VA credits coming to you and if your Credit Union is passing them on to you or if they are keeping the credit a secret and worse yet, keeping the credit for themselves.HI Barry,That is true, we operate as a broker and we have set comp plans with each lender that we can only change once every quarter so if there is excess credit in the market we're obligated to not only disclose it you as a borrower but also give you all of the excess credit.If I was a banker or a correspondent lender and I had excess credit I would not have to disclose to you that I had 4.00 pts of credit behind the rate, of which if you had gone to a broker you may have received 1-2 to points of that money you could use to offset your other closing costs, prepaid taxes/insurance/interest,etc.VA IRRRL or interest rate reduction refinance loans are some of the best because they have a refunded funding fee of only .50% or exempt if you're an exempt Vet.Thanks for pointing out the above as Im sure it will help Paul on his decision process.

If they're overpriced, show them recent comparable sales and ask them how they would feel if they kept their home at its current pricepoint and it sat for another X months.You want to establish trust and you'll do that by being transparent and honest about the TRUE value of their home.Best of luck to you moving forward!