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.

Mostly house flipping community, but will be  relevant to others.

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.

If you don't have the downpayment, go make some cash so that you do, either through saving from your normal income or some real estate investing efforts.Your point on debt paydown, although true, is not relevant to the argument of BRRR vs. traditional rental.

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. 

Someone who truly loves you will understand Plus if they aren't planning or expecting themselves to leave you or cheat that paper will never be relevant.

Quote from @Alex Zweydoff: For those interested, i recently updated the blog on our website with new relevant information regarding the law.

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

Yes, custom for OJ.