I bought an REO from Bank of America that they listed at $199,000, Because I know my market and looked at Comps, I knew this property was priced a little low to attract buyers, I also know most buyers are inexperienced buyers only doing what they are told to do on the many websites and that's offer much lower than what the bank is asking and not looking at all other variables in the deal, I offered the $199,000 the bank was asking and at closing the property appraised at $225,000. 

Having worked for Bear Stearns I can attest to the toxic nature of corporate America.

Ideally, looking for something like the Bank of America 3% down, but not sure if that will combine with a down payment grant. 

God Bless America!

But will always appeal to workforce, trades, homebuilders, heart and soul of America families.

If the traditional banks aren't working out, you could consider one of the hard money lenders that also does rental financing such as Finance of America Commercial or Lending One.

My goals Be a trillionaire (not the first Jeff has that spot on lock)Develop and help as many impoverished villages overseas as I can Help end the homeless problem in America Build a whole city The ability to travel to anywhere at anytimeGive my children everything they deserve Have the amount of money to help anyone in needThese goals might sound ridiculous and stupid to you but I know I will achieve them and then they won't sound so dumb anymore. 

Just to summarize for the benefit of all; On the national scene the following lenders offer something, just not for my purpose:Wells Fargo (They actually will on a case by case basis)TD BankPentagon Federal Credit UnionFirst Republic BankHuntington Bank (in their serviced states)Trustco Bank (in their serviced states)Possibly : America First Credit Union, waiting to hear backAfter that, it gets very local

My hope is we may someday soon have a reverse trend of folks wanting to live in large cities and wanting to go rural again with the progression of technology (however it will likely take just as long for the re-population of rural America to happen again as it did for it to die - but we need more companies to embrace remote workers as we have the technology in a lot of positions within companies for many things to be done remotely, 2ndly we need driverless cars legal and working, 3rdly we'd need to rebuild some of the infrastructure or figure out a way (likely tax incentives) to get people to move back to these places so things like schools/banks/hospitals etc can reopen or be revived.  

Every single tenant in America complains to their friends and coworkers about their landlord.