(Few years of high pressure finance experience, a lot of interest in real estate, tend to work until I drop, live in Cleveland.)

Tell him to open his junk mail and that you aren't going to flip out if it's an ARM -- these days, many lenders will not talk about ARMs unless the consumer brings it up first, simply because (in 2017) people tend to flip out if we broach the subject!

A completely different mentality than it was prior to the Financial Crisis.If people think so pessimistically, that tends to slow down an upcoming economic down fall as Investors begin to wait and see what will happen.

You tend to keep going that to the same trough over and over.

I tend to try and avoid putting earnest money down because it decreases your leverage.

Those thoughts tend to go hand in hand with the sense of entitlement from borrowers.

If they don't have affiliate lenders, the chance of you getting cut off later on as they get loaned up.Banks are usually known for the types of business they do, small business, real estate development, government banking, or primarily an investment bank, while they may not see them selves as such, they tend to do more business in one area than others.

I tend to let people in early, too, if the place is otherwise empty.

A lot of rehabbers tend to seller-finance so that they can flip and pocket the difference in their property much quicker.

Quote from @Edwin De leon:What do you mean by "  negative cash flow or super high cash flow on the riskiest MFs " are you referring to poor undesirable areas when you are telling me ............... " that it can range from negative cash flow to super high cash flow on the riskiest MF's " Yes or No also when you say super high cash flow on riskiest of MF's ... give examples of what you are referring too for riskiest of MF's not clear on this at all LOST As a general rule, nicer areas tend to have lower cash flow than undesirable areas.