Back o the original question assuming the 1st loan will allow a 2nd smaller local banks will be your best bet or a true Private Lender.

Turned out to be a very strong housing market with limited Custom Luxury Home Builds How did you find this deal and how did you negotiate it?

No one knows what the future will bring, so I would not make an all-or-nothing bet on refinancing in the next year or two. 

This is a Maryland Historical Property, zoned for residential high density, with specific limitations on its usage due to its zoning.The property is massive, offering 8,276 square ft of space, including 5,445 square ft of finished area, and it features a substantial driveway.

That's outside of their scope.All this to say, what PMs account for financially for you is very limited and far from the full picture.Just food for thought.Hope it helps!

My primary focus is on fix and flip transactions, but I’m also open to buy and hold strategies as an alternative exit plan.From what I understand, an LLC can limit the liability of its shareholder (me) only if it is established in the same country where the property is located.

I don't think they rent nearly as well as a cabin does, and there is going to be a very limited market for resale.

I am skeptical that these properties are ones that I would want to buy and bet that there are a whole host of reasons why they are 1% rule properties. 

You could do a DSCR loan as well but I would bet that rate will be high also at the moment.

Currently, there is a bug that is limiting the functionality of this feature but the team is busy resolving it.