Best bet is to try local and credit unions, possibly may have some programs for better rates.

Heck my local credit union pays 3.5% on its basic account. 

There are thousands of websites out there that are disguised as helping the public find the best of the best but at the end of the day its simply taking your info and selling it to a 3rd party as a lead.If you are trying to buy a home or an investment property and you have good to excellent credit you should always use an FDIC Bank or Credit Union.

Did you finance this deal with a local bank or credit union?

You would want to look for an owner that has a loan through a bank or credit union or one that has no mortgage. 

What I think you'll need to find out from lenders/banks/credit unions is how much historical timeline they'll need to review to support the valuation/income.

THANKS Your local credit union might be your best bet.

., (312,810 to 481,714 people), Union (269,572 to 481,612), and Iredell (212,583 to 335,056 ).County growth in the Charlotte region.A historic jumpIn the last 25 years, more than 962,000 people moved to the Charlotte region.And, as always, if you have any real estate investing questions, I'm here to help!

I own a mortgage company now that does both residential and commercial finance, but I spent years as a commercial banker with both big banks (First Union/Wachovia) and 2 community banks.

Nonetheless, it was made possible by a local credit union.