Going back and forth between standard entry door (with big glass to keep the porch vibe)  or a decently heavy storm door with lock to replace the current screen door that's a bit flimsy. 

I didn't realize you had to combine a 504 loan with a standard loan. 

Qualification requirements are standardized, there probably won't be much if any difference between institutions, especially with residential secondary market loans.

My plans are to replace elevator, renovate apt to higher standards, and start screening for top quality clients.

Luckily, as a safeguard, Cdn banks have recently implemented a "stress test" to their underwriting standards, and use 2%+ to the going rate to ensure the DTI of the borrower is still within limits.  

I may be wrong but I don't think that is an available option for standard Fannie/Freddie conforming loans, which has the benefit of being ~450+ basis points lower than private money lending. 

I thought for anyone looking to get financing for your purchase or selling this would be an informative seminar to listen from Standard and Poor's on the banking system.Banking system.

Due to tight lending standards, many people are forced to rent.

Should I do something like a 10 year ARM, or just do a 30 year conventional, or is there something non-standard?

For which I applaud them, and I have actually begun some quiet lobbying to get the same standard applied in my state.Basically it appears to me that in order to wholesale in Ohio, you have to close first, then begin marketing.