I am (to no-ones surprise) very biased on the Milwaukee area for a lot of reasons. 

My strategy is to underwrite conservatively and then be pleasantly surprised, although miss more deals that way. 

Though you are looking at a spec home so already built and I'd be surprised if the builder is offering you a 30 year amortized loan at 5.99%. 

Tried a simple Google search but was surprised at how thin the options seemed to be.

Which is why I was surprised to receive this response: "That would be a good question for your CPA" when I asked a simple question this tax season.

While the procedure will be the same for my Zelle payers, the limited locations of the community bank will be less convenient for tenants who pay with money orders.

With respect to Little Rock, I actually didn't get my data from Crexi, but that is interesting to hear, and honestly not very surprising based on economic contributors in that market and surrounding metros.Thanks for commenting!

Don't be surprised if the first call is they asking a ton of questions, but compared to lenders I've worked with in the past, it's a great approach. 

I'm surprised you've owned this home for ten years and only have $200,000 in equity.

EDUCATE YOURSELF - yes, it will take time, but will lead to a selection that better meets your expectations & avoids potentially costly surprises!