I applied for a refi with cooper on my rental.. Which is currently held by cooper! I have been a client for 13 years. I just wanted to fix the rate and reduce payment. So I submit documents, go thru the motions, they have the property appraised. It all seems to be going well. I dont hear from them. I call to find out when we are closing. They tell me they cant fund the loan because the complex has too many rentals. Well gee, why didnt they tell me that at the beginning? Because they dont know what they are doing! I have called 3 times in 2 days, no response. Dont deal with these people! I dont think they are crooks, just incompetent.