Does have options for IO. 

Some lenders even offer I/O options of 5/7/10 years for their 30-year loans.Cheers!

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I work for a large consulting company as a Senior Software Engineer, doing projects in iOS/Swift, JavaScript, React, React Native, Vue, GraphQL and AWS cloud tech.

First CommonwealthFirst Midwest, up to 90% Chicago areaFirst Republic - CaliforniaFulton BankGFA Federal Credit Union 10 yr draw, 10 yr repay, MAGranite State CU, NH 90-100%Great Lakes Credit Union Veritex , Texas HELOCHSBC 70%, for premier clients only Huntington 75% LTV 5 yr IO product available Hurst Lending and Insurance Investment property HELOC in Texas.

10.99% IO on full loan balance for 13 months2 points ($990), plus 6-months IO ($2,571.66) in reserves required I am planning to use private money for the $15k rehab.If the HML is willing to fund 75% LTC, do I simply need to bring the balance, plus points, escrow reserves, closing costs, to close the deal?

That said, these days you will be hard pressed to find a deal that can achieve 75% let alone 80% leverage3) Depends on a lot of factors, mostly based on the loan type, not the property:  Fixed vs Floating, Yield Maintenance vs Stepdown, Length of Term, I/O period4) I hate acquisition fees, both as an investor and as a syndicator. 

Our current bank which we have a relationship with gave us decent terms, IO for 12 months, 5.2% for 10 on a 25 yr AM.We purchased in December and expect to be finished with all units Feb-March.

I can pay I/O if I want.I personally use the AIO to multiply houses but I have clients that simply want to use this to pay off the primary mortgage cheaper and faster.

Many DSCR loans are IO, so there isn't really a "universal" term structure of them, in my opinion.