You might want to check with local credit unions or community banks, as they’re often more flexible with second mortgages. 

Scripts will only get you so far, once you open up the conversation you need to be flexible with how the conversation flows.

Some banks and credit unions are more flexible, especially if you have a strong financial profile.

I am only familiar with Texas and while there is sometimes limited flexibility it’s basically 100% due at sale.  

Focus on cash flow, leverage financing smartly, and structure your deals to remain flexible under varying tax conditions.

Rules/policies are subject to change and selling units in some buildings can be challenging.Condos, on the other hand, typically have more lenient rules/policies oftentimes allowing for unit owners to rent their apartments immediately and indefinitely.The rule flexibility, however, comes with a price.

We see many travel or remote workers looking for flexibility with their stays, such as healthcare workers. 

I went into two of my listings (one with a flexible cancellation policy and one with non-refundable) and it is pretty clear what the terms are BEFORE booking.  

This makes them ideal for investors with growing portfolios or those looking to take on larger projects.Portfolio lenders often offer more flexibility with their terms, allowing for creative deal structures and quicker closings.

I mention this as I have seen some people want to sue companies because they were a sponsored affiliate on a website…Regarding the original post- expect 10-12% (I think latest I saw is avg is 11.5%) rate plus atleast one point for a 12 month loan.Bigger companies may take longer for approval and can be more flexible usually in down payment amounts.