I have never personally heard of the big banks BOA Wells Chase pay an assignment fees I think a double close is more suitable...

Anyone in Palm Beach County Florida knows of REIC locations and top players in the local market...

@Kevin Reynolds - i think you're spot on the hippies part.lol my father is an avid tennis player.

Just returned from Chase Bank - they do charge a non refundable $620 application fee, and refund it only at close of loan, he specifically said I lose it if they don't approve the loan.

There are no secrets in real estate, sharing valid knowledge helps everyone, a new person isn't going to be putting me or any other seasoned type out of business, on the contrary, it will advance the industry, public perceptions, civic responsibilities, aid those related to a transaction, keep bad or poor information from spreading and in the end, be more profitable for all the players.

You guys should try to get more of these big players!

These two factors, along with the tenants' thermostat setting probably account for most of the variance.The other thing to look at from a weatherization perspective, beyond insulation, doors and windows, is looking for air leaks from penetrations of the top plates by wiring and plumbing, outlets, soffits, plumbing and chimney chases, etc.  

The above advice to start with smaller properties and work your way up, and to get employed by or partner with players in the big league, is sound advice indeed.

These meetings are where you will learn tons including vocabulary and who the players are in your area. 

@Elizabeth Colegrove  some banks go off of freddie rules for their underwriting or adopt certain GSE's rules however if you find a banker like the place I am connected with where we sell direct to the GSE's we can "peg," the loan to a specific program.Big box banks like Wells, BofA, Chase, Citi, will not be able to do that, atleast that I am aware of.