@Erich Kuhstoss It depends on many factors, but I refi at 75-80% LTV with a 30 year fixed commercial program out of state. 

Until the number can’t go lower and the rate is within your expectation.Extra Tips 1: Ask for special programDifferent lenders have different promotional program.

Are those programs/apps they're using, or are they just doing that on spreadsheets themselves?

Purchased the property with no money down using the NACA program.

It appears as though qualifying for a 10% down second residence loan is a pretty common program throughout the mortgage community.

I haven’t been there personally but I’ve heard good things about it.I’ve been in the RIREIG group for 17 years and recommend it because it’s educational and doesn’t try to sell you stuff like books, tapes, classes, coaching programs, etc.

Please note that only REALTORS® are required to adhere to the NAR code of ethics, and licensed agents that are not affiliated with NAR do not.  

*I have NEVER attended a workshop and did not get a first and last name...and these,"experts, " will say we are not affiliated with fortune builders so we don't provide cards, but you should at the very least a last name.

Now it's over 5 different software packages...still with the same original purpose, but with the added one of using it when I teach my program. 

Their website says they will do commercial mortgages and that they have a 90% LTV program.