Should I Go With This Bank?

[Luke Carl]

The podcasts say call every bank. I was referred to one by someone respected and they seem to have everything I'm looking for. It's a small bank that loans their own money. Although I think she said hey sell their 30 year conventionals, is that normal or should I look for someone that keeps their 30 years?? They said if a property is newer than 2015 I can show them the lease and they'll count 70% of that (I assume in favor of my DTI?) and I can keep getting conventional loans as long as my DTI and Credit Score are in order. And if my DTI ever goes higher than 47% I can get balloon loans for more properties. I assume this is about as good of a scenario as I'll ever find? Is this what I want out of a bank? Should I go ahead and do my refi through them to build a relationship?