Using a smaller bank or credit union is the way to go.Being that you have been in business for 10 years I am VERY surprised your business banker can't help you!

Do you look up competitor rates?

I believe this because I think that on the whole, his first two weeks of actions are likely to: - Have zero no impact on near-term supply (deliveries for single family and multifamily homes 2025 are a result of actions put into motion several years ago)- Put upward pressure on interest rates: Trump's demand that the Fed lower rates will have absolutely no effect, other than providing a cheap source of easy social media clicks and engagement for real estate pundits. 

The objective is to upsell to a master mind program or the artificial intelligence datasets, which also have zero response rate.

@Jordan Miller most Class A & B rental properties bought since 2021 really don't cashflow from day one.Class B will take 1-3 years to start showing cashflow.Class A, 3-5 years.Current investors keep making the mistake of looking back at deals from 5-10 years ago when prices & interest rates were both a lot lower, but NOT rental rates.

When I asked if someone had an affiliate code (so I could give them credit), they didn't.

Knowing cap-x projected out years is not an "extra credit" kind of information, it's fundamental necessity. 

Great credit.

If you could do it differently, owner occupied is easiest to get a HELOC on and has the lowest interest rates.  

She uses QBO and is linked to my online banking and a couple of credit cards.