2nd Rental Financing in FL

[Christian Leon]

So a property I am interested in just came back to market as the buyer could not get financing. I quickly called my agent and told her I was very interested and needed a recommendation for financing as I did not want to go to my bank (BOA) since they are a nightmare to deal with. I got preapproved quickly as I have great credit and an exceptional D/I ratio. At first I was quoted at 4.5% which I said was unacceptable. They are saying they could do 3.875% with "manager approval". I am going to shop around more but was curious if this is in the norm for the area of Jacksonville. $160K loan, 30 yr fixed, 20% down in cash. Any feedback is welcome, as well as any tips that could be of benefit in my situation. There is a bit of a rush as the house will not be up for long, or I would have refi'd my current property to pay for this and not come out of pocket at all. But I have the cash and the numbers are right! 

[Anna Laud]

@Raymond J. Rodrigues

Those are sticker rates yes = ) I don't know the specifics to his credit score, income etc and these are just places that some folks have had decent luck with in the past and may or may not be a good fit - just trying to help quickly window shop for options!