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

Meaning, you have to always be selling, always doing your best for a 5 star review.

Mortgage Broker/ Bank/ Hard Money Lender – Someone that has experience working with other investors.

.- You should consider some other lenders.

As a licensed contractor and real estate agent, I can review your estimates, ask the questions you might not know to ask, and help you make an informed decision that balances cost with quality.

If you’re using financing, this situation might also influence lender decisions.I have many rentals in Jacksonville FL and have had to evict three tenants.

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. 

Do they also review leases?

I ran into a few issues with lenders.

Most long-term lenders will use an AMC to select the appraiser.