End enjoy your break, you'll come back so much more productive!

I wasn't sure if the loan product matters.

When they hear Wholesaler they think in the wholesalers who supply retail stores with Products.  

Unfortunately there is a rate adjustment adjustment between 75% and 80% ltv on almost any product.

I believe up to close to 40% down with a 720 or greater credit score on a conventional loan product could give you the best interest rate. 

How about the simple obvious that the inputs to deliver the service/product have a base-line and market prices have, OBVIOUSLY, been at about as lean of operating profit margins as can be. 

Yes there are products that can up to 80% LTV for DSCR with 6 months reserves.

Wondering if you have noticed any changes in their product or price points now that the market has become a buyer's market.

I also have a lender that has a loan product that will allow you to put $0 down on a home with an ADU that would add another rentable space to get income from.

Are there lenders that will lend on the product at competitive rates that are similar to current 30 yr sfh amortization?