When you're a mortgage banker (inclusive of at credit unions) and your employer doesn't want more of Z type business, there's nothing you can do but turn away those customers until the employer gets hungry for Z again (or try to sell crappy loans, they b/c usually continue to offer Z-type loans, just with horrible rates/fees/terms).

So if your $25k loss is generated by depreciation you won't have an issue with lending4.

Investing in real estate would make me a third generation real estate investor in my family.

Investing in Real Estate is an amazing tool to generate wealth, however NYC is certainly tough.

No need for landlord classes and if it's not rented, they won't give you credit for any income the property may generate.  

Their customer service wasn't very good and they sold off the loan anyway.

One of their customers dragged a concrete parking barrier across my driveway damaging it and leaving what looks to be permanent marks on it and hasn’t gone away in a week.

I know I am making a lot of assumptions/stereotypes but you have to look at your potential customers and be ready for worst case scenarios.

Have a 4500 sq ft custom house under contract with 10 day DD.Seller is refusing to allow access for roofer, plumber electrician, pool inspector, etc.

What customer service programs do you have in place?