Also if someone wants to do something custom/unique, they may not be able to with the passive investment.

Ironically, platforms designed for real estate (Zillow, Apartments.com, Rentler, etc.) produce very few tenants for me, compared to FB Marketplace (and I also find a lot of their functionality to be user un-friendly, from the landlord side). ...you'd think that platforms custom-made for real estate would make the process a snap for landlords, but it takes me a lot longer to post and manage rental listings on Zillow or Rentler than it did on Craigslist.

My plans in Charelston SC that tend to be custom will take 60 to 90 days and cost 10k or so. but they still get check sheets to..

If they are able to remove the term it will be dependent on the loan underwriting requirements, not because they want to keep you as a banking customer.

I worked for a big time syndicator in the late 80s and they had 5000 plus investors and customer care was always challenge with no many investors.

That's great that the bank who currently holds the note wants you on 20 year or 15 year amortization, they view you as a captive customer, they don't have to earn your business any more, as far as they are concerned. 

We have a lot of customers at the moment who are strongly considering lifting their homes.

Yes, custom for OJ.

They offer interest-only loans, don't charge for appraisals unless the deal actually closes, and have great customer service (they actually close on time unlike some of the lenders my clients have chosen against my advice over the years who ask for my time for underwriting the day before closing).

And the only "client" reviews I've seen mention that their customer service is non responsive and difficult to get a hold of once you're purchased their services.