What DF did to investors is put us into a box of "preditor lenders" that DTI and 1003 and ATR ability to repay is the regs attempt to force us to prove this loan is NOT preditory, is affordable and a good value.A lesser talked about need is to show that selling price is "market value" and not a picked out of thin air price the investor picked to their advantage.  

@Len Roche my first loan was with Wells Fargo (back in 2009) then I talked to my brother-in-law about a loan he had on his investment property with American Airlines Credit Union.

Happy to talk you anytime.

@Brandon Smith That makes sense, I will talk to the conventional banks that I am currently dealing with.

@Patrick Everett please feel free to let me know a good time to talk.

However, I would recommend talking to a qualified professional to avoid expensive charges down the road.

Talk soon,Mark.

Looking to learn how to invest in real state in my market and talk to investors

Would be a good idea to talk with a local bank and show them your package/numbers and get a verbal commitment (or in writing if possible) what terms they would offer you.

I'd love to meet up some time or talk over the phone about what opportunities there are right now and help you understand our market a little better.