this worked out well in the short term for us.  

Many people who are long term renters can't save enough money or have problems with credit, hence they are still renting.

The market has bounced back from Covid and all things are go in terms of tourism. 

Make sure it explicitly explains the process for termination if you are unhappy with their services, especially if they violate the terms of your agreement.3.

Thanks Hi Karolina, I meant to comment on your previous mixed use post, provided 50%+ residential and 85% occupancy should be several reputable lenders that can provide workable terms. 

Do you intend to rent the property out via short-term or long-term rentals?

One with brutal, silly terms.

I'd counter at a price and term that works for you.

I don't like the terms and would try to avoid.We could still do a conventional loan and if I'm not mistaken it'd be this whole "gift money" thing so the shared ownership wouldn't be recognized legally.

Looking for long-term conventional refinance (potentially cash-out) for a SFH.