However, there are lenders who offer more flexible terms or even no prepayment penalties, depending on the deal structure and your investment strategy.To find such lenders, here are some options to consider:No Prepayment Penalty Loans: Some lenders, often private or portfolio-based, offer DSCR loans without prepayment penalties, though the trade-off might be a slightly higher interest rate or fees.Yield Maintenance or Defeasance Alternatives: Ask about other prepayment structures like yield maintenance, which can sometimes be less restrictive depending on market conditions.Custom Terms: There are lenders (like us at Phoenix Funded) who can structure loans tailored to your needs.

I have never dealt with an investor who didn't physically go to the property & most look up zoning regulations before even giving me an offer!

If there is no other way to evict the tenants and instead I offered to renovate the garden level into a two bedroom apartment would they have to accept that offer? 

Alimentation Couche-Tard, the parent company of Circle K, has made an unsolicited offer to acquire Seven & I Holdings, the owner of 7-Eleven.

Also, consider the impact on your liquidity—ensure you won’t need that cash elsewhere during the project.Off-Market Deals: These can offer better margins.

Listen to Wale Lawal above.You'll be getting offers and off-market deals from everyone and their sister.

Quote from @Thomas Haessig: I have two accepted offers to buy and house hack.

If it's a matter of a quarter point but the more expensive debt is with a bank that offers better other terms like amortization and LTV, and they have a rock star loan officer, I'd go with the slightly higher interest rate product.2.)

I have not yet invested with Praxis but I hope to soon once their next deal is offered.

Interesting to see how feasible this will be.