you can search by score and see what banks, merchants approve in that range, and what bureau they pull from typically. 

Which banks who you recommend working with for loans and why? 

The 10% to my investor is guaranteed and after the refi, I would be paying 5.75% to the bank. 

If they make the condo their primary that opens up a number of options on the non-bank (private) financing side for rescuing their captive equity.

Some banks are more friendly toward short-term rentals.

So I did this - and there is no legal minimum, but banks may have a minimum in the contract for the loan.

A lot of local families (about 3,000) are looking for housing in Curacao (Caribbean island) and banks are happy to provide mortgages right now, but there is no one building any middle class family houses.

Or should I get started with a large bank initially?

@Greg Callan I wouldn't get to caught up on cap rates for 1-4 units, it's just a bad sign for me when you're proforma cap rate is 4.5% and you're borrowing money from the bank at 4.75%.

It was a bank sale and I was in the right place at the right time.