The website advertises: they offer conventional 30 year mortgage loans nationwide.

To do a cash out refinance now with conventional financing, you have to wait until the loan being paid off is 12 months old! 

I've reached out to lenders here on Bigger Pockets- but their rates & terms seem high (DSCR or just not good terms)- I qualify for a conventional loan, but my DTI is almost maxed so why pay an extra 2-3% DSCR when I don't have too. 

The opportunity to create value in a high-demand market, combination of strategic location, strong buyer demand, and limited inventory makes it a compelling investmentStrengths.- Strategic Location: Close to major commuter routes (I-495, US-29) and public transit (Metro).High Demand: Inventory in Silver Spring remains tight, driving competitive offers for move-in-ready properties.Diverse Market: A mix of young professionals and families ensures a broad buyer pool.

Finance your first duplex or triplex through FHA Loan, Conventional Loan, Owner-Occupied Financing, and Portland-specific programs.

By the way, are you a conventional lender or HM?

@Sheena Varghese For flips taking over a year, the IRS treats them as business inventory, so profits are taxed as ordinary income, not capital gains, regardless of the holding period.

Most doing this volume are forced to turn more of their inventory into rentals. 

If you can find smaller local banks in the market you pick they may have more unique products that they keep on their balance sheet or try and do the 5% down conventional on a 4-unit  FHA's self-sufficiency test applies to both 3 and 4-unit properties.

This property can NOT be financed by FHA or a traditional conventional 30-year fixed-rate loan.