Joshua you've gotten a lot of response that validates different perspectives.

Joshua: I am really enjoying Bigger Pockets, and am finding that I am getting more information and education (for free!!)

@Joshua Davies  I am a commercial lender and I can not speak for the lender who declined your 2nd loan, but this is what I see from banks and credit unions all the time. 

Joshua, you should report your fleecing at Ripoff Report.

Thanks @Brandon Turner and @Joshua Dorkin for the great webinars and podcasts.

Originally posted by @Joshua Brown:@Nicholas Smith as a lender I see this all the time. 

Originally posted by @Joshua Pavao:@James WiseI see that you are a commercial broker, do you see it common that lenders actually call for the loan and don't allow for getting a refi?

Hello my name is Joshua Allen.

Hello all,My name is Joshua Visalli and I am currently a 24 y/o optometry student.

Hi Joshua,Kudos to you for wanting something bigger, I trust with your due diligence and the help of BP, you'll get exactly that.That said, I see action, and the learning as additional pros by starting small in your hometown.