Spring Valley Bank is very investor friendly.

On a similar note, a few years ago the foreclosure sale at the courthouse used to have 90%+ of the properties go to the bank, and the bank takes a hit on the price and offers it as an REO. 

If the bank finances 80%, the seller 15%, and you 5% and the numbers still work with a higher mortgage, you can buy for very little money. 

I was able to get an in contact with a small bank and they told me 6 months after I'm in title ( I assume it would not have to be fully rehabbed in that 6 months) and if I live in the property it would be 80% , if I don't it will be 70%.

Typically big banks and credit unions are captive to a single PMI provider, mortgage brokerages and banks can shop it among mortgage insurance providers.

But, what I do know is some big banks are becoming much more conservative in their lending practices.

The mortgage lender (bank, or seller) would hold the 1st deed of trust if I am not mistaken.

Hi Stephen-Scenario I find two properties that show promise find an instituation willing to let me borrow for both properties, so the only skin I have in the game would be the percenatage down for both investments and use the banks money for everything else?

I live in NY, and my LLC partner lives in CA.When we open a new business bank account, they require us to both sign forms, even though we are both owners of the LLC.

Everyone was saying it can't be done and that the ONLY way was to have a down payment and use a bank.