By being flexible, I’ve found my tenants are loyal and seem to be lifers staying in my properties.

Going to a smaller local bank or credit union may be useful too because they have more flexibility.  

If you are not represented by an Agent/Broker you have more flexibility in what you can do.

You have a lot more flexibility if you can do the repairs yourself.

What you’re also going to want to take in to account (and I’m not sure these fit into an excel sheet) is the benefit to buying owner-occupied-from loan flexibility and down payments to reduced living expenses and ease of self-management.

I would first call the local credit unions as they typically have the most flexibility and you can build that relationship for future deals.   

Hi @Tom De Moya, I think the 30-year gives you the right mix of stability and flexibility.

They were much more flexible.

Local banks and credit unions are always more flexible this way.

Many people think resal estate investing it like building something out of lego blocks, that A leads to B and B leads to and connects to C in only one way but the truth is that real estate investing is much more flexible than that and can vary quite a bit.