Our experience is that many lenders/servicer customer representatives may not know the protections that exist for those that want to put asset protection steps in place. 

Ton's of people with golden shackles of sub 3% rates, epic net shortage, skilled labor shortage, on and on. 

that would be sub prime  lending to owner occ..

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I'm currently working with a lender that has a $50k minimum, and his rates and customer service have been great so far.

You can set up virtual or sub-accounts.

I don't know what the issue is/was, but I think a lot of customers want to play games and he probably did his best to keep them on the straight and narrow. 

Or subs or property managers who run off the rails. 

With a 4-unit building, that’s a very high customer concentration.

It’s humiliating to call customer service who has no idea what is going on and can’t quite transfer you to property manager.