Some will tell you even the products to use.

I have rates in the range of 4-4.50% for 1m+ fannie freddie products right now that are being offered. 5% LTV cuts are common. 

For example, I hear nowadays the electrical code is requiring GFCI and arc spark protection in the basement. 

One of the largest types of mortgage fraud is occupancy fraudBest of luckStephanieI have borrowed from just about everyone of those on the list and never was asked for utl bill. these are not owner occ loan products ..

We use a separate account for the commercial products.  

You can also do conventional owner occupant loans at 5 and 10%, and generally I favor those because the costs are typically lower and you do not have to refi out to remove the PMI. my understanding is that with the FHA loan you will have to refi out into a different product to be able to remove the MIP.

I asked them how one of the products would work with one of my deals and the guy blew right past it without answering the question and sent me their application.

My bank offers a cool loan product and suggested I start using it to speed my process up.

I hear that there are commercial products out there offering 30yr amortizations. 

Just like any video camera but the finished product allows the viewer to look around while you move from room to room and narrate.