Although we do have deals on the lending side that dont work but we are not forced into a position to take big loss's like we were when the banks were calling our loans.. this will happen in the DSCR world as all these folks are using same type of debt IE debt that can be called based on the terms of the debt or like you have seen with the syndicators that are talked about on BP max leverage bad debt things dont go right And you have cap calls or projects totally lost. 

The talk seems to be more as if these people invested in Bank Bonds, CD's or something.

Wheatland Bank was good to me but the lender I worked with has since retired.

If you're capable of getting funding from a bank, those terms are terrible.

He would also not need any private money lenders to close these transactions -- his bank would be dying to give him a commercial line of credit. 

I just had a bank tell me they would take a 40%+ discount on a $400k asset which six months ago they would have wanted a 10-15% discount.

I'm curious why your bank rate recently increased?

Can you throw out names for Missouri resources they have worked with before on investor friendly realtors, tax experts, and investor friendly banks? 

If you are looking to avoid cap gains on one, ok, but paying you a little more to become the bank is not whipped cream on a sundae to me, it's like one old walnut.

You mention not a fan of landlording, great, the bank never get's involved in that stuff right.