I could provide a long list of reasons but it primarily revolves around (1) the complexity of their product offerings and (2) relationship building.Give them a call, tell them what are planning to do, and find out their product offering and appetite for your type of real estate...and their appetite for you.You can get lender referrals from other investors, brokers, agents, BP members, meetups, REI meetings.

I know in some areas there's local appetite to "grandfather in" the unpermitted "granny flats". 

I’ve heard you can talk to various property managers and learn their target appetite.  

Those will heavily (positively) impact your monthly cash flow, but I guess your interest rate view and risk appetite also comes into play!

@John Rutherford Contact local Federal Credit Unions that have an appetite for commercial loans.

There is an endless supply of commercial financing if the bank has an appetite for it.

It is kind of a big deal.Conversely, for about a month now, my appetite for knowledge in REI has been voracious to say the least.

I don't really have appetite for a rehab on the unit.

I also have little appetite for lead-based paint, asbestos, galvanized plumbing, etc. which knocks out most everything pre-78 for me.

Ask if they have an appetite for investor grade single family homes.