Elements Financial, KeyBank, Energy Plus Credit Union.

They're typically not involved in any of the transaction, so it only applies if you are a broker in your own transaction - which I am not.

Part of the impact is my credit was shot and I am rebuilding it.

Depending on what type of underwriting method a Mortgage Broker found most suitable for your scenario + your credit score, you could get slightly lower interest rate although 6% is a good number to plug in to be conservative.  

If you have the down payment and just need someone's credit let me know.   

This sounded like a BRRRR dream-come-true.My first almost dealI had to apply for a loan with 212 Loans in order to receive deals as they came out (rather than waiting 48-hours like the cash buyers) but that was okay because I needed a lender anyway.

A similar order may apply this year, keep your wallets ears openPrevious post https://www.biggerpockets.com/forums/52/topics/247945-typical-eviction-time-frames-for-chicago

Those 4 transactions were simple and uneventful - I searched on bankrate for the lowest rate, applied and closed.What I don't understand is why I'm sensing so much trepidation from the various team members (brokers, settlement co, seller...) about which lender I'm going to use?

Check the local banks and credit unions. 25 year amortization is more typical for a loan that size so I would make sure 30 yr am is accurate.

My experience with commercial loans in NJ, has been no personal guarantee, because the lender looks mostly at the income potential of the property vs. the business (LLC) or even the owners personal credit/assets...