Especially one pitching their own products.

But again with some minor modification to your business model you can establish those properties as ones you intend to hold for productive use which would then qualify them.  

I broker my HELOCs to TCF bank specifically because they will accept Fannie and Freddie's standard methods of calculating DTI (which your local credit union obviously is not) instead of re-inventing the wheel, with the only deviation being that they will calculate their own debt obligation more conservatively (which makes sense given that it's an interest only product in 2nd lien position). 

do you have any products for lower FMV's?

I can hardly wait, yet, I am not looking forward to physically move given all the trips that I will need to take to change all my belongings to Dallas.

Have you guys been to the meetups and are they productive?

Where there is a need for a service or product, rest assured someone has a solution.  

But if you have the means and the wherewithal education beyond high school is extremely important unless you're a trust fund baby or suffering from a physical or mental disorder.

I don't dissect their portfolios but with some of the recent extreme weather, turning attention to those markets that have had those types of events, which also means tapping into insurance claims to re-build, is a way to deploy product that has a higher rate of absorption.

They are a portfolio lender with investment products tailored for flips, rentals, etc.