Usually for first timers and low down buyers the underwriting is a little more simplistic than traditional buy/hold investors purely seeking yield. 

GC can end up cheaper bcus they already have established network with subcontractors. still, it's good to seek out those plumbers, flooring, painters etc to build your own estimate too.

Prepayment penalties- usually 1-5 year terms.

Quote from @Brandon Croucier: Well once the loan is Originated there’s no taking one out and adding another, I wouldn’t touch a blanket in that position then, there will be difficulty taking one out/penalties, definitely just suggest a cashout refi.

Offer to let her out of the lease without penalty and hope that she accepts the offer.

Readers should seek professional advice.

This approach makes the property attractive due to its steady rental income and immediate returns, and it can appeal to buyers seeking hassle-free investments.

Not only do they lose the retirement balance, but also they incur a 10% premature withdrawal penalty.  

I'm seeking new offerings from companies that have a good track record.

Even when they misrepresented the deal and are 2 years behind on payments they’ve faced no penalties.