Are you seeking best lender or best product?

@Jonathan Rivera I agree with Melvin Noriega's answers, however the VA loan is not a great product for a few reasons. 

Reach out to your broker contacts and your network and ask for lender referrals that play in the apartment space.Your pre-screen interview calls could includ asking them if they do apartment lending, what their typical loan size range is, what class of property do they like, standard loan terms (amortization, fixed rate period, interest rate range, LTV, and any other product knowledge you would like). 

BOA is great for certain products but I think you would be a much better fit for a local community bank.  

I would say my intention is to foreclose as quickly as possible and get it into the hands of a competent investor to renovate it.Their goal is to see the property gets back into productive use as quickly as possible.

I also try to not put on carpet; I like tile and wood for floor products with regard to rentals 

@Tyler Goulden A 203k loan is an FHA product, so I'm not sure if you'd be able to use a 203k and a regular FHA loan.

Either product should be able to fill your needs listed.If anyone has experience with Zoho, I'd love to hear it. 

I second @Jimmy Watson's statement that I don't really see it as "overpaying" but really more value creation.

In addition with myself and selling my personal product I get into the home buyers lender info.. there are certain lenders I simply will not allow my properties to be tied up with ....