I am seeing a lot of movement on VA assumable loans.

Approx 5 commercial  properties with total combined value book value 12m .. actual maybe 20-25m?

Quote from @Nicholas Dillon: I read somewhere that you can request to have your mortgage insurance dropped once your Loan to Value reaches 80%.

If you plan on holding, it's then a much easier task to roll it into a DSCR loan.

They close hundreds of loans a month and charge you for any hold up on their end.

If you have multifamily commercial loans, you will likely have to repay the loan in the near future instead of having the payments applied to the end of the loan. 

If you're a single mom with student loans, a car payment, and living paycheck-to-paycheck, then $20,000 would be devastating and a reserve is critical.

(Insurance, Loans, Zoning, STR, ADU's, ??

They’re requesting what feels like an unreasonable amount of information, and the demands keep escalating.So far, they’ve asked for:A video tour of my home officeCredit checks on me and my partnerCopies of the deeds for every property we ownA copy of my partner’s home lease and utility billsBusiness phone billsA signed letter from the bank verifying our accountsBank statementsHonestly, it feels more like qualifying for a loan than trying to become a customer.

Want to get a loan for $250k in AZ