What I've observed is that many banks have rather inflexible guidelines as to how they price a property they list for sale, and how long they must leave the listing at that price before lowering. 

The top 4-5 national banks are completely inflexible.  

My experience has been they are monopolized by the board, inflexible, and surprisingly corrupt.

I went through the process of examining the 1031 process and rules last year and found that they were generally too inflexible for my needs at the time.

Very minimal benefit in rates for a big boost in flexibility.

City offices are notoriously inefficient and inflexible, being slaves to their own rigid processes. 

Mortgage companies, since they are securitizing loans into traunches that have strict rules (rewatch the movie "The Big Short"...they were ignoring those rules back then and look what happened), so they are going to be inflexible with the structure of the loans even though they can go longer-term.

Managing your cash-flow is your issue running a business not a tenants and isn't a valid reason to be inflexible.

Big names like Chase or Bank of America are probably going to have the most red tape, higher rates, and are going to be the most inflexible.

A FSBO is usually difficult, and inflexible in pricing.