Lower the price2.

There are so many options for LVP now, from lower priced to higher.

Right now they are "high" (compared to 2020) and people "think" they are going lower. 

I’m also making the property my primary residence to lower upfront costs, effectively turning it into a house hack.With this setup of me now occupying a room and not including utilities. 

You can theoretically have a higher rate from one lender with lower origination fees and total finance charges may come in lower.  

I can do that through charging points, but since I'm getting it at a lower rate than you could as a consumer, I prefer to mark up the rate while still being lower than most others in the market.

All else being equal, lower mortgage rates reduce the cost of ownership and, thereby, allow more people to afford to buy.

If the loan amount you are looking for is small relative to the value of the first and the second property combined, they are very well secured on a LTV%; ask for a 1% point lower rate.If you don't want to Cross Collateralize, do you have any CD's or MM you can transfer to this bank as collateral. 

I have been much happier and less stressed since switching over to them. 

Hello, We have a triplex in a lower-income neighborhood in the Tampa Bay area.