They must keep the temperature at a minimum of 50 degrees F.

Most non-qm loan products will never have a 95% LTV due to the inherent risks associated with these type of loans not being traditionally backed by fannie or freddie (investment banks).

I’m also an active member of the local landlord association in Joliet (JRLA), which has been a great resource for networking and education.

Most larger communities will have a Homebuilders Association, i would start networking to find a builder that can finance the construction. 

The cost associated with insurance for not having 20% is peanuts compared to what you potentially can do leveraging your down payment. 

For networking and education, I recommend checking out CIREIA (Central Indiana Real Estate Investors Association).

I've reached out to Metron with some follow up questions of my own:What are the associated cost with each individual unit?

Any investing usually has a level of risk associated so you want to make sure you know exactly what that is when it comes to the flint market. 

Podcasts like BiggerPockets Real Estate Podcast are also goldmines of information.Networking: Check out real estate meetups in Boston through platforms like Meetup.com or local REIA (Real Estate Investor Association) groups.

This is much lower than the costs associated with refinancing.Benefits of Mortgage RecastingLower Monthly Payments: The most immediate benefit is a reduced monthly payment, which can free up cash for other financial goals.Save on Interest: By reducing your principal balance, you’ll pay less interest over the life of the loan, potentially saving thousands of dollars.No Credit Check or Appraisal: Unlike refinancing, recasting doesn’t require a credit check, income verification, or home appraisal, making it a quicker and simpler process.Keep Your Current Interest Rate: If you have a favorable interest rate on your current loan, recasting allows you to maintain it while still lowering your payments.Drawbacks of Mortgage RecastingRequires a Lump Sum: Not everyone has the cash on hand to make a significant lump sum payment, which can make recasting inaccessible for some homeowners.Doesn’t Shorten Loan Term: While your monthly payments are lower, recasting doesn’t reduce the length of your loan.