Lenders cannot be found.

It was unfortunate, but I ended up with solid lender and was able to close quickly with them.

That isn't written somewhere specifically that way, but your lender will ask why you would move your primary from (for example) a 2,000 SF SFR to a 750 SF unit in a four plex? 

As we wrap up the year and look ahead to 2025, the real estate market continues to present unique challenges and opportunities for investors, brokers, and lenders alike.

Institutional lenders will look at your non/short employement as a negative. 

Big lenders like Flagstar that have a servicing component are currently using their servicing business insight to go after refinance business internally.

.- You should consider some other lenders.

DSCR Loans - Both Purchase and Cash Out Loans- Investors typically use these on the cash out portion of the BRRRR Strategy - Minimum Downpayment, usually 20% but some lenders offer 15% down - Max LTV on Refinances, typically 75%, but some lenders will do 80% - Minimum Title seasoning (since the property was purchased and recorded on county records) is 90 days, although some lenders have no seasoning at all as long as you can show rehab work completed. - 30 year fixed terms - Usually have a Prepayment Penalty from 1-5 years, although you can price out a 0 PPP for a higher rate or fee- Minimum Credit score is 650 usually, although you could do a lower LTV loan at 620. 

However, you must know that I am neither a real estate agent nor am I a lender.  

I ran into a few issues with lenders.