@Tom TomásThere are two loan products that could potentially fit your needs.

Most product is 2 to 4 units residential duplexes to quad's or much larger properties.In AZ some people are putting up non-refundable earnest money of six to seven figures depending on the deals.You will have to put in the time and make tons of calls.

If there is currently a loan on the property, you should be able to rate term refi for a much higher LTV than the cash out limitation you cited.If you did it with cash, find a hard money lender that will give you a short term cash out type product and then once you have the lien recorded you can rate term refi it as above.Selling or leaving money in the deal is an option in either scenario.

I ended up turning one of my units into an AirBnB during the pandemic because I couldn't rent it out even after dropping rent $200.I still think if you have a nice product in a nicer area like Wicker Park you should be able to get it rented....really timing is everything and sometimes you are luckier than others.

She recently traveled to Taiwan and will be in quarantine as is required for all travelers.Today I learned that the title company requires my mother to be physically present during the closing. 

And as for trying to find a different lender, I thought they all pretty much offer the same product so there’s no real reason to shop around?

I toured a mix used building with a coffee shop on the first floor that also sold unmentionable intimate products.  

Both sides went at it, and were 100% convinced that theirs was the right approach, and the other person was full of a cattle product.

Take the survey here.Lindsey, Director of Product Marketing at BiggerPockets

However, just realize you will be just another "number" in their production process of issuing loans.In my view, residential mortgage lenders (non banks) are a dime a dozen.