It takes money to create and run a great product like BP

I helped a client in NY buy a similer situation a couple months back. i pretty much just printed off a list of 20 or so local banks called and asked if they had a portfolio product for this type of thing. 3-4 did and the rest told me it was impossible.

This could be in the form of local bank that houses their own commercial loans, acquisition lenders who also have long-term buy-n-hold products, DSCR loans, or going through a mortgage broker who can hunt down this product if you can't find it on your own. 

I would ask brokers here on biggerpockets and see if some carry in-house lending products or have other suggestions.

If you are looking for a loan product that the lender is not offering then you won't get the loan.

There are also opportunities to buy a single family residence home that has an ADU that you can buy with 0% down products (contact @Grant Schroeder).

As an additional layer, many times the advice provided can have a goal of selling a product, like insurance or asset management.

Personally, I haven't had any good experiences with the loan product.

If this Contractor likes you, you like him - and trust him and he works well for you (great quality, consistent scheduling) then I would stick with him because you found the needle in the haystack.So rather than try to lower your prices/quality, why not become the Investor that people know will provide that kind of quality and service and charge top dollar for your product?

Just think of the opportunity cost involved.Using the down payment assistance program - 1 owner occupied property in 5 yearsUsing different low payment programs each year - 5 properties in 5 years using FHA, VA, Home Possible, ARM products for 5-10% down, 97/3 Conventional for a SFH.