or have you found various creative solutions to secure favorable terms?

Contractually, I'm sure I'll be on the hook for something based on their PM favored literature, but can I contest that they have done absolutely nothing for me, including not paying me as my defense?

When running numbers, especially on small multis more western markets with direct access to NYC tend to be more favorable from the numbers stand point and many of these towns offer 30 minutes or less taking commuting lines.

Once you complete their application process, they will determine you don't fall under their top tier borrower qualifications and propose terms that are far less favorable.

They are suffering from their own stupidity, being "over-leveraged", and the investor from greed/fear inducing a good old fashioned Bank RUN on them, which they don't of course have the funds to pay out without bankrupting themselves.

It has not been favorable for both parties.

That's a relationship you should hold close as they could really help with future challenging acquisitions that are viewed less favorably by banks.

This strategy takes advantage of forced appreciation & favorable primary residence financing. 

And I can recall only once that a title company released earnest money to the Buyer without requiring the mutual release - worked out in my Buyer client's favor so I didn't complain.

I thought we were supposed to have rates that were more favorable?