It has been my experience that the local or regional banks have a little more room to adjust for repeat clients. 

Keep in mind, by adjusting some items like loan terms, down payment, closing costs, etc, you can "manipulate" other metrics so be careful

I would suggest that you develop a relationship with a local public adjuster now - before something happens. 

If you can walk away with 10k when everything is said and done I always consider that a success...maybe it could have been more and next time you'll make adjustments and carry on.I also agree with the previous thread...you make your money when you buy.

You can always make extra payments to pay off the loan in 15 years.This will increase your cash flowdo not accept a loan with a balloon or adjustable rates.

Your AGI (adjusted gross income) is what the underwriter will look at for the past 2-3 years if you've been working in the same industry.

I'd like to have 12 units by then to help offset the significant pay "adjustment". 

I recommend a roof consultant be involved with your asset to obtain a current condition report and they will usually work with any reputable contractor to be sure that the adjuster is giving you what you should be getting on the repair/replacement of your roof.

If you start to think to yourself "I would never do what he is asking me to do for that payoff" then adjust some. 

If that constitutes "loose and quasi-ethical" in your judgement, you may need to adjust your perspectives.Here's how "loose and quasi-ethical" my credit expert is:He started his business after he worked for just such a shyster / scammer as you describe.