@Joshua Gwaltney apply for fix and flip financing, which includes purchase and reno costs, then refi into a 30 yr product once the property is stabilized and owned for 6 months.

Our real estate agent Kyle Renke from the David Greene team helped us negotiate 15k under asking.

These guys are often more familiar with day to day product instead of high-end/spec homes, and good property management companies will cull a list of responsive, reliable, and affordable contractors that are licensed (if required) and insured.  

I think it's time for you to have a productive conversation with her about what you're looking for in feedback, turnaround time, as well as deliverables for the weekend.

Since COVID, this loan product from this bank is no longer available and the highest LTV they go to now is 60% for their 5 and 10 year term products.I would focus on trying to obtain longer (10+ year debt) and that will substantially minimize your risk.

Ever heard of Etna Green ?

I really appreciate the insight - duly noted on shifting my mindset to be persistent and patient.And thank you for breaking that down @Jonathan Greene - makes a lot of sense to present the offer that way.

@Chris Iley without consistent income you wouldn't qualify for conventional financing but there are 30 yr products available that use the subject property to help you qualify.

@Jonathan Greene hi Jonathan this is a great point.

During Covid, out of about 230 properties, five tenants moved out because they could not pay the rent.Five evictions in 15 years.The average annual maintenance cost is between $300 and $400, excluding the occasional water heater or air compressor.Below is a map showing where some of our client's properties are located and the green area is where we find the most conforming properties.