Creative Mortgage Negotiation

[Adam Wright]

Hey Bigger Pockets Community,

I'm inquiring about mortgage negotiations and creative structure for primary residence. Thinking outside the box, what're some common/uncommon concessions that I might be able to work in(or out) to a loan? I know the easy answer is pay cash. How to negotiate lower APR, set period of interest only, get points/fees waived, etc.?

Nashville, TN - primary residence - >740 credit score - conventional

-Adam