HML questions would anyone recommend a HML

[Dee Brock]

So I have been doing a lot of research on HML. Its only taken me 1 week to even understand their lending criteria and the 85% purchase and 65% AVR and blah blah blah ( each bank varies on %)There are so many out there and I am just curious if there is anyone out there who used one and had good luck with them. Low fees, quick funding, no issues on repair draws. I have 2 rentals now, but from what I am being told it still qualifies me in the first " bucket" of newer fix and flipper. I have done 2 conventional loans with mortgage companies. I don't have debt ( other than my auto and open mortgages) have close to 95k in credit cards but they are all at 0 balance...so no risk there. Just looking for recommendations.