Then connect with some hard money lenders (you can find some here on BP as well as some who are typing this right now) and connect with them to understand their product type, what they like to lend on and requirements.Hard money broker is all numbers game of making relationships and helping those that are looking for financing, it starts out slow but if you get with a few good borrowers and lenders it can be pretty decent money to be made.As an example we paid six figures last year to HM brokers. 

Even if they do, they also may not let you borrow enough to purchase and renovate a property.

Stop jumping every time he asks for something.

This could also hurt my debt ratios if I go to borrow on another investment somewhere like my plans for the STR.  

De nada 😎I don't know that market at all (FYI, I don't see this is other Midwest markets where my CFO clients buy properties), but I suspect it's related to perhaps the international investors that agent may work with...they are often cash buyers as it's very difficult to borrow here if you're not a U.S. citizen.

I find that it's almost a one stop shop in that I can use it for my business checking and savings accounts, bookkeeping, for rent collection, I can issue virtual credit card, I can create all the financial reports I need to run my real estate business and prepare for tax filing and through their partners I can vet my tenants, develop state-specific leases and more.

It's just not in places I want to borrow from. 

That will give incentive to refinance ASAP whereas these 0% loans the borrower has zero interst in refinancing out early.

Some lenders offer discounts to return borrowers so maybe look into both flip and DSCR rates when finding a lender. 

It depends. all you talked about was the property but financing is more about the borrower, their experience, their credit, the cash available etc.