So is everyone else who can not get a conventional bank loan. 

Good afternoon,I was going to put an offer in on a Bank owned home near my work.

As a Loan officer, i have relationships with various other banks and have identified my chosen institution that will allow me to put down 15% of the original purchase price and no more, so long as the "Arv appraisal has a loan to value of 85% still.

But if it is large banks with local presence that is OK.These internet preapprove letters do not get the attention from local listing agents. 

At the beginning I got an acceptance from the bank to take a loan as an individual for a mortgage loan with a 4% interest this is like starting with no company which will get me with fewer expenses for the beginning (lower mortgage payments, no need to start a company and pay monthly an accountant for this but I cannot count any expenses that will be made in my investment, my country gives a standard 5% deduct on individuals so let's say my annual income is 10000€ , I got to pay 10000-5% = taxes for 9500.) 4.

Some banks will even do 5% on their own in house loans, but depends on the bank.

I know it’s not profitable, but my cash is in the bank, I just don’t know where to put it where it for sure won’t go negative.

(Don't get them confused with Waterstone Bank, they don't service FHA loans.)  

Bottom line I could not have done it without my partners and the ability to borrow 10 plus million from my commercial bank for SPEC construction loans..  

I would not be able to carry the investment solely with my own finances (hence the partner), so it seems the bank would refuse to lend to me on that basis.Are partnership investments simply limited to commercial loans only?