I do not know how you think you are going to land a 4.0% interest rate and a 30 year amortization for office product.

Many members are experts in their respective fields related to real estate investing, whether that is real estate brokerage, wholesaling, flipping, buy and hold, lending, self-directed IRA and Solo 401k investing, or tax and legal guidance.There are some pretty cool discounts on various products and services offered as Perks to BP members that you might want to check out: https://www.biggerpockets.com/perks/proIf you haven’t checked it out already, the Bigger Pockets blog features links to their awesome podcast and many great articles: https://www.biggerpockets.com/renewsblog/

Many members are experts in their respective fields related to real estate investing, whether that is real estate brokerage, wholesaling, flipping, buy and hold, lending, self-directed IRA and Solo 401k investing, or tax and legal guidance.There are some pretty cool discounts on various products and services offered as Perks to BP members that you might want to check out: https://www.biggerpockets.com/perks/pro

Its a process to do each loan, but it shouldn't slow the process down dramatically at all. 

Eric Lichatin at Centreville Bank has a product for 15% down with seller holding a 10% second.

Farmington Bank used to offer such a product; however, it is no longer available once they were acquired by People's United Bank.I am open to going under FNMA standards; however, if you do not have a loan package I would be eligible for, can i ask whether your institution makes portfolio loans to real estate investors?

I wouldn't give them there money back any sooner than I have to AS LONG AS I HAVE MORE PRODUCTIVE USES FOR THE CAPITAL.The same is true for the HELOC.

It has been slow, 5 months now.

The 10 year maturity date is where the LOC will modify into a different product all together.

We are currently still living in and working on the house. and were blessed with our first child last Christmas which slowed down remodeling a bit but has also opened our eyes even more to this amazing opportunity.