But not shop for deals.

I suppose you could suggest to your small bank banker that if they don't give you the bigger line of credit you might have to shop your mortgages somewhere else (but if your existing rates are really good, that's an empty threat!)

Such as expanding business areas, shopping districts, a Wal-Mart, etc.

I closed on the last two rentals at a bar and a coffee shop. 

The downpayment % is a little higher than expected, and I feel I may have shopped around if I'd known this originally.

Make the lender fight for your business by shopping elsewhere.

@Bennett Smoot Two questions you always want to ask when shopping mortgage lenders are 1) What's your base rate which means no points/fees?

@Joel Kleyer I have always used local commercial banks for these types of loans and they will loan on the appraised value after repair just like in new construction.You need to shop different banks as they all have different appetites, comfort levels, loan products and rates.

Because places like the local ice cream shop was too slow they would not tip, and they could complain that the 'service was not good'  and 'they have to wait too long, the places should …"  Always criticizing our small town. 

We meet every Friday 6:15AM at Mavericks Coffee shop.