Looking for 5th mortgage, 15year-fixed

[Anna Catron]

We built a duplex with cash. We spent 150k and expect appraisal to be 280-300k.  This will be our 4th investment loan. 

First, any idea how they will value the property? BofA is saying land purchase price plus cost to build. Others are saying BOP and appraisal. 

Second, we're having difficulty finding a fixed 15yr mortgage. It's too early in the game to put my contact info online and receive 800 scam calls. The difficulty is not on our end, we have great credit and DTI and cash reserves.

You guys are amazing! Thanks in advance.