Small community banks or credit unions are generally going to be a little more flexible in terms but usually a little higher in rate.  

On the question of 20yr or 30yr loan, I always prefer the longer term to provide maximum flexibility.

Small local banks will tend to be much more flexible than large national banks.

Sometimes it is flexible, sometimes it isn’t, especially as you get close to a weekend on a new to market property. 

It has significant advantages over an IRA such as: no need for a custodian, ability to borrow from your retirement account, exempt from UBIT taxes on leveraged real estate, greater protection, greater flexibility and more.Hope this helps and feel free to ask any follow up questions. 

For example, in your case Anthony - do you think your track record as a reliable borrower/mortgage holder gave your lender the extra reassurance to warrant that flexibility in the ratios? 

for the time being multi-family properties interest me the most. on the surface id say they best fit where id like to start. however, I am open to being flexible!

I really like the flexibility of commercial loans.

Either to the outlet metal box if BX flexible metal conduit cable was used, or a grounding wire has to be used if a plastic box and Romex plastic covered wiring is there.Romex wasn't originally up to code in many states, but now many allow it.

TBH quite enjoying the flexibility of renting and the enjoying the frugal benefits of saving and investing some funds in long-term stocks and ETF's.