Local banks or credit unions normally more flexible than national brands and they also understand the local market and demands better.  

It may be a niche worth looking into, but it can be costly if there's not enough demand for it in your target area

We wanted to buy a duplex to live in one unit and rent the other (as often recommended for new investors), but we're not sure whether the area we're intersted in has a strong demand for rentals or not.Does anyone have any recommendations on how to analyze whether an area is good for rentals?

Interesting, I noticed FI was a also more demanding than BoR, they weren't gonna buy off on 80% LTV either and were definitely more thorough.

Almost coming off as desperate to get the places rented. 

Is it in terrible shape or is there no demand for it?

They need a lot of work and there is little demand by tenants except low rent transients.

Someone else can be shown as an owner of record and that person can have other agreements to convey that interest upon certain events or upon demand.

Just because a contractor files a lien does not mean they are correct and damages can be awarded for the filing of an improper lien.Edward, get your contract out and identify the clauses relating to this specific issue, then take that to the bank and demand that they not release any funds but abide by the contract terms.

But should see more first time buyers enter the market.To be honest where I am living in the south not far from london house prices didn't fall by that much, there is still strong demand for the area.