We use smaller banks for many reasons but mainly because they are more flexible even with the same exact Fannie/Freddie loan. 

From what I can see, loan terms can be as long as 10 years, so I would have the flexibility of paying this off slower if need be. 3) Cash out refi - leaning away from this as I understand this would make my monthly payment go up. 4) Do nothing - accumulate enough cash to jump back in - would sit out for about 6 - 12 months. 

I vote for twin beds - more flexibility.

I usually talk to a dozen or so banks to understand which will be a good fit to get me the best deal and be flexible on the terms.

That said you are ready to show some flexibility.

I have a property 390,000 she’s very flexible even consider lease option.

The more established companies dont seem to have much flexibility.

Mid day is usually good for me, but my schedule is flexible my friend.

When a bigger job comes up these companies have the flexibility to have a number of contractors come out to provide estimates, and while this allows them to get a better rate they also take a finders fee.I can crunch the basic numbers myself.

They have to conform to government criteria such as the 10 property limit you mentioned.Portfolio lenders have more flexibility since the banks retain these loans in house.