Again, I am in the Long Island, NY area and would love to meet up for lunch or coffee!

Unless it's some sort of stop and shop/convenience store where those workers can quickly grab a bite or some snacks for their shift. 

Shop for lower closing cost rates, consider a HELOC, or wait some time and let the equity build.

Why would you not shop around for the best lender whenever you plan to take out a new loan of any kind?

I own 2 and am passively shopping again.Also was wondering if you could define co-host. 

It's a reference and a data point, but it is a pixel and not a picture.Condition is also a major factor; we get typically 200 to 300 more than calculated, because the condition is nicer than average and people are willing to pay for that.PM's are often a bit on the low conservative side, understandably, they don't want to overpromise, also it makes it a bit harder to find a great tenant.Size is another major factor; tenants are very much shopping for square footage.

HELOCs are typically for owner occupied properties only so I would shop around for a Cash Out Refi or a Line of Credit on the property. 

Feel free to reach out if you have any questions or want to talk shop!

I think the short answer is, there are a lot of lenders out there so it's worth shopping around.I'd consider talking to a mortgage broker instead of to a bank directly, as mortgage brokers are aware of multiple loan programs from different institutions, so hopefully one will be able to fit your situation.On your general question about one full time job vs. two part time jobs, as a general rule the more you fit into the "standard box" (look like most other loan applicants), the better.So while I definitely wouldn't say you're out of luck - I think there's a lot of money out there chasing borrowers these days - your options will definitely be more limited the more you stray from the "single full time job you've held for a few years, or at least in the same industry" model. 

Let them know you want to work with them, but you are going to be shopping around.