You want to have the best product for the best price philosophy.  

I would guess that you went to a fairly large bank to apply for this product.  

But there must have been an intent to hold for productive use in trade business or for investment.  

Very rarely does the market have rigid and distinct beginnings and endings.  

It never hurts to compete for better products, and moments like these offer great excuse to talk to someone else about what they might be able to do for you! 

This is only if the submarket will support it and if you have a product that demands this price.

We have 30 yr loan products available at 6-10% (depending on your personal credit and LTV of the property).

What areas are targeting and what product type?

@Bruce MichaudHaving a brokerage account inside of an IRA owned LLC is a very common strategy and a way, as you indicate, to keep idle capital and the income from your non-traditional assets productively deployed.The LLC should be the account holder and the LLC EIN should be associated with the account.  

I’m taking into account the time it takes me as well as the product cost.