I know having been a landlord for many years that this is not right, but clearly, may be a sensitive issue.

In the past there were more options to get creative with seller financing etc to put down less than that, but now the primary lender in general won't allow this as they want to assure you have sufficient skin in the game.

Here are some considerations:Pros of Using a Hard Money Lender:Speed: Compared to standard lenders, hard money lenders can provide quicker approval and financing processes, which lets you take advantage of time-sensitive possibilities.Flexibility: It may be simpler to obtain financing if HMLs are more accommodating when it comes to credit history and property condition standards.Access to Funds: You may take advantage of more investment opportunities by having quicker access to the equity in your property.Experience: For first-time investors in particular, certain hard money lenders offer invaluable experience and advice that can be helpful in navigating the fix and flip process.Cons of Using a Hard Money Lender:Greater Costs: Hard money loans might have interest rates and other costs that are greater than those associated with standard financing sources, which raises the project's total cost.Term Length: HMLs normally provide loan durations that are shorter, usually lasting between six months and a few years.

If I don't a particular agent because of skin color, sexual orientation, or whatever, I may decide to offer them less. 

You just need skin in the game

You need to be able to turn a profit, the property typically has to be in an urban or suburban setting, you need skin in the game (down payment) & in most cases decent credit.

They seem to work well to get more opens/attention and some get their panties in a tangle over it but it is what it is.If an email can piss some people off, I wonder how sensitive they are to anything that happens in the day to day life

Paying that much interest makes my skin crawl ha...

  $3,000 for the first violation and $5,000 for every violation after.Some may not catch onto the first dozen of rental times with a STR flying under the radar but depending on how sensitive the market is to STRs, will determine how quickly that operator will be cited and shut down.

But you underwrite that into the deal.The area most people seem to struggle with is: a) commercial tenants are not as price sensitive as residential.