So are you looking for a lender to refinance out of the owner financed note, or are you looking for a lender who will lend your downpayment behind the owner financing?

I am obviously conflicted with the moral side of pursuing legal action here, but understand that people can do untruthful things when it comes to financial gains. 

@Mario Morales, to echo Bradley, I would say this depends on what you are lacking in your own knowledge base.To some (probably many investors) the agent is simply an initial filter for them.  

The side moral to this story - be in the plumbing business.

And if so, are there any other ways to go about it for lexisnexis?

Quote from @Erik Estrada: Quote from @Mario Morales: Quote from @Erik Estrada: Hey Mario, I think you should first establish whether or not this is a non-owner occupied rental property or if this is just a primary residence refinance.

Our home prices soared over the past 5 years and rents have only gone up incrementally creating an imbalance.

The Charlotte area population is expected to soar by 50% by 2050.

So are you saying the Mortgage One deal would be the way to go? 

Yeah I think the moral of the story is that most people would prefer to rent a home/cabin.