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Tom we've been there. We have one loan through nationals, which I think has now been paid of via another loan (fire system). We get very little from them, if anything. An obvious problem would be that the university gives fraternities good price on land, and I'm not sure what the deal would be with that if we went local. Also, there is a problem with insurance. However, nationals didn't buy our house, we did. They don't pay our social budget, we do. In fact, that social budget is probably larger than the operating budget for half our chapters. Nationals are a required evil. They do not aid our chapter outside of the technical affiliation and insurance.
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