I'm in the Washington DC area and wanted to know about any Local Banks that does portfolio lending including non-owner occupied investment properties that includes rehab cost or not.

So when it comes to banks, is it wise to ever go to them with questions or advice or are they simply going to tell me whats best for them and not me?  

No advice on who to choose, but for the applicant who had a few late payments, maybe get 12 checks in advance all post dated for due date or have auto payment from their bank to yours every due date

Fortunately, lenders are beginning to find new loan products to entice those hesitant buyers off the fence; 12 month bank statements for income, no income verification for non owner properties, relaxed credit standards. 

A handyman/husband is a HUGE, HUGE help.My husband does the books including bookkeeping and accounting, bill paying and obtaining bank financing and he also occaisionally trouble shoots maintenance problems and suggests fixes if our handyman needs a hand and he uses his mad carpentry skills for renovating appartments. 

And the bank is charging me $670.00 AGAIN.

He then hired a foundation company that put in 9 exterior piers to level the house and it came with a lifetime transferable warranty.

Obviously VERY important, because you don’t want a bank coming back to you in a few years and telling you that the account is past due and they are going to foreclose on the house because the loan hasn’t been paid.

They're only asking 117k but so far the banks I have called won't finance me because its 2 separate buildings.

The bank will let your monthly debt service be up to 45% of your monthly income.