Small shop brokers that have access to multiple programs so that they aren't beholden to one or just a few loan programs will typically get the most competitive product for the borrower. 

Book recommendation #1: Hands Off Investor by @Brian Burke https://store.biggerpockets.com/products/the-hands-off-inves...Book recommendation #2: Lend to Live https://store.biggerpockets.com/products/lend-to-livePodcast Recommendation: PassivePockets podcast is focused on passive investing in syndications - https://passivepockets.com/podcast/Passive investing summit: PassivePockets Summit May 2-3rd in Columbus https://get.biggerpockets.com/passivepocketsevent/I make these recommendations specifically since you mentioned passive real estate investing, and syndications or hard money lending are really the two most passive ways to invest in real estate. 

We have a 30Y Fixed DSCR product that would likely fit your needs. 

It is harder to sell on the back end, but I do feel like it is easier to negotiate nowadays.

That would have been known up front if that was the original loan product being used.  

This would allow you to sell a property you had purchased with the intent of holding for productive investment use. 

I doubt even Brian Chesky himself knows the exact detail nowadays. 

Insurance market across the country is very tough, especially for older product. 

Unlike banks, which offer limited loan options, brokers have access to a wide network of lenders, including niche and non-traditional financing sources.Here’s what they do:Assess your financial situation to determine your borrowing power.Compare multiple loan products to find the most favorable terms.Negotiate rates and terms with lenders on your behalf.Guide you through the application process, ensuring you meet all requirements.Example: Suppose you have a lower credit score or unconventional income sources.

In my experience, the local banks are going to get you better rates and lower fees with their commercial loan products than the "DSCR lenders".