Advice for meeting with lender?

[Frank Grigus Jr]

I have a meeting scheduled with the AVP of real estate with my credit union at the end of this week. My goal of the meeting is to discuss with him my investment strategy and ultimately get a green light. Obvious topics to include are terms and rates but I also want to run scenarios by him so I can be prepared to look at alternate lenders or other exit strategies. My investment strategy is long term buy and hold, maybe some flips to generate more capital if the $ is right. Between penalty free 401k lending from my employer, HELOC, and personal savings I have ~120k to use for cash purchase of property (maybe some private $ from family also) then I'll use to bank to refinance once rehabbed and tenant is placed. Flips would be done all cash and if they cannot be sold I'll place a tenant and refinance. In terms of lending what kind of "snags" have you encountered along the way in trying to refinance a property or getting loans in the base case? Strategies around those hurdles? Any other topics, questions I should be asking the lender? Any other tips or advice? Also both our credit scores are 790+ and debt to income is ~20% if that helps at all. Thank you!