@Tom TomásThere are two loan products that could potentially fit your needs.

Most product is 2 to 4 units residential duplexes to quad's or much larger properties.In AZ some people are putting up non-refundable earnest money of six to seven figures depending on the deals.You will have to put in the time and make tons of calls.

All the videos, podcast, and books about real estate investing say use other people’s money to buy rentals.

If there is currently a loan on the property, you should be able to rate term refi for a much higher LTV than the cash out limitation you cited.If you did it with cash, find a hard money lender that will give you a short term cash out type product and then once you have the lien recorded you can rate term refi it as above.Selling or leaving money in the deal is an option in either scenario.

I walk it, take video

I ended up turning one of my units into an AirBnB during the pandemic because I couldn't rent it out even after dropping rent $200.I still think if you have a nice product in a nicer area like Wicker Park you should be able to get it rented....really timing is everything and sometimes you are luckier than others.

Here's a video of recent planning commission meeting, start at 3:14... https://deschutescountyor.iqm2...Also more info here: https://www.deschutes.org/cd/p...It's gonna be a while!

Make a quick 2 minute YouTube video showing how to change the filter (correct orientation).

And as for trying to find a different lender, I thought they all pretty much offer the same product so there’s no real reason to shop around?

This video of the current market seems pretty accurate.https://www.facebook.com/68153...