Then you’re going to ask her to give you a 3 year 0% loan?

Based on my research, several lenders stand out, but I’d appreciate firsthand experiences.Key Considerations:Loan Terms: Fixed rates up to 35 years, interest-only periods (e.g., 10-year interest-only options), and non-recourse structures.Competitive Rates: Recent transactions show rates ranging from 2.69% to 4.65% depending on LTV (55%–80%) and property type.Lender Specialization: Some lenders excel in specific areas:Greystone and Walker & Dunlop lead in Fannie/Freddie volume and large-scale refinancing.Arbor Realty Trust is praised for smaller-balance loans and flexibility.CREFCOA offers streamlined refinancing with 45–60 day closings and cash-out up to 80% LTV.HUD 223(f) loans provide 35-year fixed terms, ideal for stabilized properties.Questions for the Community:Have you worked with lenders like Greystone, Arbor, or Freddie Mac?

As of today almost 7 years have passed.  

I bought my first house 2 years ago for 255k 20% down at 6.375% APR.

Each year they adjust it up or down based on actual usage of the previous year.Let's say you get an average of $600/month. 

Verifying last 2 years of rental history very important!

It was a nightmare, and the foreclosures took more than a year and were extremely costly. 

You can be charged with wrong doing up to 10 years after you buy the property. 

As a starting point: -If they work full time and make $700k a year -Don't want to or can't spend time self managing a short-term rental -Don't have a spouse who wants to take the lead on managing the rentals They are likely not going to directly reduce their taxable income with real estate year-to-year. 

It's down the street from our rental which we BRRRR'd two years ago.