Citimortgage is a national lender that will do it, many banks wont' do loans beyond your 4th due to the onerous underwriting.A local bank doing a portfolio loan can be more flexible, particularly since you have strong experience, though they'll still place strong reliance on the NOI from the tax returns.

Its just part of the game, I guess.Keep in mind there are landlords who are very flexible on their rules.

(Obvious I don't know your taxable income to make that call.)If you withdraw, you do have alot more flexibility investing with non-qualified funds, such as optimizing with leverage and having access to much better financing terms/rates, that can give you a substantially higher ROI than you might achieve in a retirement account.By pulling funds from the IRA/401K, you have also walked out of the casino of guessing on current vs future tax rates (with $100 trillion of federal liabilities, tax rates are quite conceivably going UP).

We may have to be flexible and get additional tables in the main part of the restaurant.

It ended up costing an extra $600 in very small repairs that I know if they caused them they would have argued as normal wear and tear.Moving forward I decided to only address the major or noticeable items but keep tabs on the small stuff and remain flexible when they moved out.

Try contacting local, private banks who typically have more flexible underwriting guidelines.

So given you won't know how long its going to take to close, they'd be very flexible.

There is a problem with consistency, it comes at the expense of flexibility.

I do understand that they don't want to pass out a lease they basically paid for that could end up being used in that community, but it also tells me they are pretty locked up in thier thinking, probably due to thier attorney.I'd say reviewing the lease prior to hiring them would be more than reasonable and you should be able to add any addendum you like, so long as it doesn't violate local law or custom and it doesn't make thier job leasing more difficult.It also tells me that in the event any issue pops up, this PM may lack experience in dealing from a managerial standpoint attempting to follow strict guidelines, doesn't sound like they might be ver flexible, even if common sence should prevail.Could be too you need to do some more stroking, making the PM more comfortable with your requirements.PMs need to understand they represent you, you drive the bus and they oversee your directions.

Communication both ways: Ask enough questions to get a picture of who each is,history, expectations,flexibility!