First Bank is also a good local bank that may have a product for you.

We all have to start somewhere :-)The winter market in MN is relatively slow compared to the rest of the year so don't get discouraged by the inventory you see out there.

So a seller’s market didn’t slow them down. 

I was curious what people's thoughts are as we begin 2022, it seems that the housing market is not cooling off anytime soon, people are continuing to move out of big cities, remote work/WFH is the current norm for office work, and supply issues are still slowing new construction.

Investment properties would need to be Conventional or some other non-QM loan product. 

I hadn't gotten a listing so far, working with a few buyer clients but things are going slow at the moment.

My plan was to refinance into a 30-year fixed rate product that repaid both existing loans and also take cash out of the property if possible to help fund my next RE investment.I have been going back and forth on whether to lock-in a 30-year mortgage (loans available up to a 75% LTV) or refinance into an ARM that would allow me to take additional money out of the property (loans available up to 80% LTV). 

I originally worked with Jeff Chisum (tenpercentdown.com) but his team has now moved to Northpointe and they have lots of products too.

You can also see what those properties leased for to be sure that is a good price.Things often slow down a bit around the holidays normally, though this year in DFW I did not really see as much of a drag.

During your due diligence period you should be able to request that the seller provide a trailing 12 month breakdown of the expensesAlso, 30yr fixed is a great product as many mentioned... my thought is, take the lower payment, then if you want to pay it off faster you have the option.