That has nothing to do with us but we still offered to help you.

Quote from @Rick Im: Does anyone know of a lender that offers second mortgages on rental properties?

A few others have called out Hemlane, who appear also quite responsive here on BP and also offer a degree of repair/work order management baked right into their middle/upper tier offerings (versus having to bolt-on as with RentRedi + Latchel). 

One in year 2, and another in year 5...I was unsure of what to do so I created this offer Who did you have check your underwriting?

This is the only thing holding me back from making an offer on this really good deal.

This month I will be setting up the Mexican corporation to be able to place offers and purchase real estate. 

I think you should also confirm to them what lease renewal terms you are offering them so they can make an informed decision.If you make the repairs, you'll create some goodwill with the tenant and they will be more likely to renew.

They offer a free phone consultation.

I dont get it.And are you saying that there are loan officers that look for people who seek innovative strategies that may differ from the tried and true, and when they find them, are more likely to offer this scammy rate?

Owners mistakenly ASSUME all PMCs offer the exact SAME SERVICES and PERFORM those services EXACTLY THE SAME WAY, so price is the only differentiator – so, they often select the first PMC they call or that calls them back!