Switching properties doesn't change what's already spent, incurs transactional costs, and the initial costs to stabilize the new property.

It's very possible your broker is limited in the products they have available for you.

In general, developers will model revenue with SAM or an equivalent tool for non-dispatchable production.

When I want to refinance, I just look for a lender and vet them and analyze their loan products. 

That is okay they are selling a product... except you're not comfortable with the deal so walk away and find something else.

Seasoned Properties:If the property has been stabilized for a while with strong cash flow, some lenders may be more willing to work with 15% down at competitive rates.If you'd like, I can help you connect with lenders or offer guidance on how to structure your DSCR loan with less money down.

you keep saying "high ROI returns" without any data to back it up. and I have a couple of 3 bedroom beach properties and I dont always get $190 a night. i mean, good for you, but it seems like you are coming on here trying to sell a product rather than just discussing it.

The only way to avoid them is to put more money down or you need a lender that offers their own product. 

They still have a year or 2 left before they’re completed and stabilized, but all metrics still show positive as of now.  

This is the best solution I've seen (https://www.amazon.com/gp/product/B075K6PHJ9/ref=as_li_tl?