@Matthew Moore even though people rent your room knowing its not a hotel, they tend to still expect hotel amenities. 

(Few years of high pressure finance experience, a lot of interest in real estate, tend to work until I drop, live in Cleveland.)

Tell him to open his junk mail and that you aren't going to flip out if it's an ARM -- these days, many lenders will not talk about ARMs unless the consumer brings it up first, simply because (in 2017) people tend to flip out if we broach the subject!

A completely different mentality than it was prior to the Financial Crisis.If people think so pessimistically, that tends to slow down an upcoming economic down fall as Investors begin to wait and see what will happen.

You tend to keep going that to the same trough over and over.

I tend to try and avoid putting earnest money down because it decreases your leverage.

Those thoughts tend to go hand in hand with the sense of entitlement from borrowers.

I personally tend to agree with Rich for the most part.

If they don't have affiliate lenders, the chance of you getting cut off later on as they get loaned up.Banks are usually known for the types of business they do, small business, real estate development, government banking, or primarily an investment bank, while they may not see them selves as such, they tend to do more business in one area than others.

I tend to let people in early, too, if the place is otherwise empty.