Additionally, you are essentially holding onto the government's money for 30 years before you have to pay them.

The government is working to correct issues as it pertains to infrastructure and corruption.

When a contractor does work for local, state, and federal governments, they often have to front material and labor costs. 

The numbers tend to work in these areas ad sometimes there are government subsidies or tax breaks to sweeten the deal.

I have looked at TD Bank and Navy Federal Credit Union so far.

I also inherited one tenant and I raised the rents right away and he told me that he couldn't pay because his wife this and that and he didn't have a job because this and that, in the end I found out he was getting financial aid through stamps and the government.

@Jesse Rivera,  have you tried Washington Federal?

Yes, you are also violating Worker's Comp with Labor bureau, IRS for taxes, and that is just federal level.

My father worked for the federal government for 40-plus years and, thank God, he has a decent pension, but it’s basically exactly what he needs for living expenses and the modest things he likes to spend money on, like buying books, traveling to visit his grandchildren and buying them presents.

These Government Sponsored Enterprises (GSE's) dominate the multi-family lending arena.