Typically a bank loan has origination costs- Is she getting your loan for free?

hi everybody as you know i've been a BP member for a while now so that means i have some insight as to what the markets are offering on a daily bases and now i've come to the area of where i need to find where the market is for selling mortgages similar to how you would list your home well i need mortgage listings that are non performing and performing i wonder if the mortgage servicers that are owned by the banks or that operate on the beneficiaries behalf know anything about this?

Typically, banks appraise these at 9% and most were selling at that prior to the past year.  

I have a few beginner questions.Should I set up a separate bank account and run all income/expenses completely separate from my personal finances?

Apparently that’s because the banks are unable to sell the loan to Fannie.

Bank when opening account).

Let's say all the banks that I talk to aren't willing to go below 7% with me (let's pretend I've gone around and looked really hard).

For the next house I went to every bank in town.... 3 times...

. - Purchased a home for 135k - 4bed 2.5 bath - ARV was 182k- Bank loaned me 145k - 80% of the ARV - put 10k of my own money into rehab. - got a monthly payment of ~$1000 and have a tenant that pays $1550 a month. 

Others want to leverage the bank in order to buy properties, stay patient, and perform 1031 exchanges when the time is right to try to buy multi-family or commercial properties.if the math works out, another option is to leverage your equity for a cash out refi, use that to buy a duplex or 4-plex. that even is not taxablebut i would say the decision itself has to fit into the larger, long-term goal.