So you may need to shop multiple companies.

Definitely don't overlook physical bulletin boards at the library, grocery store, or coffee shop; they still surprisingly generate leads here. 

The time you waste shopping another lender, is more valuable than saving a few bucks. 

I’d be happy to help you explore multifamily options and share what financing would make the most sense for your goals.To hit your questions one by one:• I’m a mortgage broker, not a direct lender — that means I shop multiple wholesale lenders to find the best rates, terms, and programs for each client.• I offer a full range of conventional, DSCR, investor cash flow, bank statement, and portfolio multifamily loans.• Yes, I can communicate directly with listing agents to help strengthen your offer and show that financing is solid.• The money I lend comes from reputable wholesale lenders and banks I’m approved with — all underwritten through standard agency or investor guidelines.• For down payment assistance, those are generally limited to owner-occupied deals — happy to run through what’s available if you plan to live in one of the units.• To start, I’d just need some basic info about your goals, income, credit, and property type — we can figure out the best fit from there.• Pre-approvals usually take 24 hours or less once I have the necessary info.• Yes, I have rate lock programs available through several of my lenders.• I can absolutely share references and reviews from clients, including some who are active here on BiggerPockets.• And yes, I regularly connect clients with investor-friendly agents, property managers, and insurance pros in the area.If you’d like, we can set up a quick call or Zoom to talk through what you’re looking for and get you pre-approved.– David Stephens

Youre going to have to do a lot of lender shopping on this.

Bottom line: you need to shop for insurance BEFORE you close, within your Due diligence timeframe, to make sure you get good coverage. 

If your subject (0.5 acres) looks more like the lower end of the lot sizes, value it against those.Only give premium value to land if the market clearly rewards it (rural, equestrian, estate-style, or where people actually shop by acreage).If all comps are bigger (0.75–1.25 acres), we mentally adjust down a bit, not a percentage, just enough to keep our ARV conservative.

Don't go shopping for 1/4 point interest with a different lender. 

But we also offer the Shop At Home experience for those that prefer us to bring materials to the home versus visiting my store. 

Sometimes spending a bit more for confidence in closing is better than shopping to the last percent.