., 10-year interest-only options), and non-recourse structures.Competitive Rates: Recent transactions show rates ranging from 2.69% to 4.65% depending on LTV (55%–80%) and property type.Lender Specialization: Some lenders excel in specific areas:Greystone and Walker & Dunlop lead in Fannie/Freddie volume and large-scale refinancing.Arbor Realty Trust is praised for smaller-balance loans and flexibility.CREFCOA offers streamlined refinancing with 45–60 day closings and cash-out up to 80% LTV.HUD 223(f) loans provide 35-year fixed terms, ideal for stabilized properties.Questions for the Community:Have you worked with lenders like Greystone, Arbor, or Freddie Mac?

If you have doubts, provide both, it's not that big of a deal..... 

Last year we have been in the top 5 most competitive markets for renters in the US.

I may be partial but seems a pretty obvious top 5 choice. 

Partner with an Experienced Hospitality InvestorConsider bringing on an investor who has scaled hospitality properties—they can provide funding while you handle operations.Would you like introductions to equity partners or lenders who specialize in boutique hospitality acquisitions? 

I would find the TOP 10 wholesalers in SA and go to work for one of them. 

In return for excellent service I'll be offering repeat business and I'll happily provide referrals to my existing investor network for those top performers. 

I rarely get any calls and never got any of these top 10.

You have to be on top of it without exception.Best wishes to you Courtney.

If you like the idea of a self-directed HSA like @Kaaren Hall mentioned check out providers like Accuplan and IRA Financial Trust.