I can’t speak much about NC’s market, but if you’re struggling to find the right deal locally, consider exploring other markets.

We purchased this property off-market with no realtor, saving on commission fees.

Off market preferred.  

Most banks are going to write as @Chris Mason mentioned - 5-10 years/ 20-25 year ams in this market.  30 not so much, especially on retail. 

I’d like to diversify into another market in the near future - so we may be looking again in Montgomery.

Utilizing Seth's local market expertise, we quickly assessed the property's potential.

Overall I have had a very predictable and overall positive experience investing with them across a few different markets for years. 

If you are planning on buying it with a smaller down payment, that will also increase your mortgage costs as you are borrowing more and also need mortgage insurance.The price of the home (from the seller's perspective) is based on market value and condition, not on whether or not it matches the 1% rule.   

Charleston is such a great market.

Considering their LTV is at market or debatably below market (depending on the asset), if the interest rate or loan terms aren't advantageous, I'd also suggest getting quotes from other lenders.Since you are located in upstate NY, I'd look for local banks.