A large benefit of M2M is flexibility and easy termination.

If you do have to sell in the short-term you might not recoup all the money you put in.

My goal is to capitalize on those unfulfilled niches and develop strategies that provide maximum benefits to both the lender and the borrower. 

It’s important to weigh the opportunity cost of tying up your cash in a single project versus the potential benefits of leveraging financing.Ultimately, it depends on your risk tolerance and investment strategy.

Many lenders offer flexible financing terms up to 85% in some instances for investment property transactions. 

So, my question is if there is any benefit or negative impact on me as a landlord to get rent on time, or during tax filing or renewing the lease?

I would try to find a short term/mid term rental friendly agent who might be able to give you super accurate feedback on the market

LTV caps will range from 70-85%, although terms will probably be horrible at 85%. 

Is it thoughtful and timely market info or just them propping up overplayed markets in some way to their own benefit?

You need to have had me aware and agree to these terms and conditions.