We have tried playing with words here but hard to make it so its less invasive or impersonal.

All businesses are relationship based where you position yourself as a problem solver for your target client's problems.

If the fair rents really are $5,000 a month, then this is a solid long-term play.

The same lender said if they could come up with the other 5% they can go 30 year fixed interest only..This is more attractive for cash flow on a higher loan balance but will still be qualified based on the fully amortized rate and payment. 

For instance, an NDA seeking to restrict an employee forever from applying all skills he acquired in a workplace after leaving that employment may not be considered reasonable.Types of NDANDAs may be unilateral or bilateral/mutual or multilateral.In unilateral NDAS, only one party receives information from the other party and the former bears the obligation to safeguard such information.

@Wayne Kennoff- thanks   1) getting a personal referral is a good place to start 2) if you have narrowed down the options to a few -  contact both on the same  days and ask them for whatever  quotes  for your scenario ...ask for a loan cost worksheet  if  possible .  ...if their pricing ends up being  the same - make a decsion based on the  feel  for  cutoner  service you get when communicating with them.   3)  make sure they  disclose all the fees  related to the  refinance  ( not just their  own fees ) ..4)  reviews are   hard to  use to make a decision ( as you found out ) 5) rates are pretty high right now for rental  properties ....if you can wait to  refinance - you might consider doing so ...if you need to refinance - so be it ...Good luck 

I know there are lots of web based tools, but those are pretty hard wired. 

Some states have source of income protections that would not allow you to decline an applicant solely based off of their participation in section 8.

I'm reaching out to share a cautionary tale based on my recent experience with a fintech bank issue involving Yotta and Synapse.

You have to know it takes effort and a lot of time, play the long game, but it's totally worth it.