I would reach out to Brenna Carles at The Mortgage Shop 

It's always the new ones that shop you to death and are asking for unrealistic terms. 

I recommend you work with a mortgage broker that works with 220+ lenders to help you shop for the best lender for your situation! 

This is something you can shop for, so you can call title companies to see what is normal. 

With your excellent credit and a solid down payment, they may be open to adjusting their rate, especially if they know you’re shopping around.Explore Non-Traditional Lenders: Some private or hard money lenders could offer lower rates for DSCR loans, particularly if the property cash flows well.

Should I shop around with a broker?

We have an operational general contracting business here in Chicago, but we are slowly building technology solutions around it.Always looking to connect and talk shop around tech and real estate...would love to connect!

All the best - and would gladly do a ‘cup of coffee’ with you some day if you wanted to talk shop!

This includes (but not limited to):-Quiet Hours-What spaces can and cannot be used-Guest policy (make sure to limit days in a row and in a month)-Pet policy (even if you don't allow pets, if someone has an ESA animal, it would be good to have guidelines in the event they surprise you with one, otherwise you are SOL and of course take into consideration fair housing laws)-How is trash put in the cans (in bags, not just thrown in) and when can trash cans be taken to the street and put back-How is the late free structured (one time flat fee or a daily fee)2.

I'm shopping lenders right now.