Since this is my only property I do not mind and with my flexible schedule I am able to spend time doing this. 

Now if you've followed things this far kudos, and I bet your feeling some lumps.

If the rental income doesn’t sufficiently cover the debt payments by their standards, they’ll limit the loan amount, even if the property is worth more.You could try a few alternatives:•Look for lenders who specialize in commercial real estate and have more flexible DSCR requirements.

If you can secure favorable terms now, the future development opportunities could offset any initial cash flow challenges.Communicate Flexibility: Approach the landlord with an open mind and emphasize that you’re willing to work with them to find a mutually beneficial solution.This isn’t a fantastical idea at all—it’s a creative opportunity that could work with the right approach.

The buyers I resonated with, who I believed in as operators–those were the people I was willing to be flexible with.

However, there are lenders who offer more flexible terms or even no prepayment penalties, depending on the deal structure and your investment strategy.To find such lenders, here are some options to consider:No Prepayment Penalty Loans: Some lenders, often private or portfolio-based, offer DSCR loans without prepayment penalties, though the trade-off might be a slightly higher interest rate or fees.Yield Maintenance or Defeasance Alternatives: Ask about other prepayment structures like yield maintenance, which can sometimes be less restrictive depending on market conditions.Custom Terms: There are lenders (like us at Phoenix Funded) who can structure loans tailored to your needs.

If you’re able to stay flexible and learn as you go, I’m sure you’ll gain valuable insights and make progress toward your goals.

My bet is you do not get sued.  

My job is flexible which I think would be important when trying to manage my first property so thats why .

Other companies people use are SNSC, FCI, Landhome, Homekey and others.That would be your best bet.