I generally like to use the most popular, flexible, free themes available.

They seem to be more flexible with the down payments & require it based on the appraised value not on the purchase price, unlike residential lenders. 

The previous owners were too flexible so we are trying to ease in to educating the tenants that they need to be closer to on time. 

You might try talking to a local bank that holds their own mortgages as some of them have different requirements than the big banks and might be more flexible.

So stick with your business strategy but be flexible to the change in markets. 

Broker's have access to multiple lendors and if your needs change based on the deal you find they are pretty flexible as they can source your loan based on the situation.

Start thinking about your criteria for a tenant and what you will and will not be flexible on.  

A concern I have with a blanket loan is the higher interest rates and lack of flexibility, in addition to the prepayment penalties.

. $150 Run electric for condensation pipe in basement $120 Run drain line from condendation pump into waste water drain, $70 Replace all attic duct with flexible insulated duct. $6 per linear foot Mortar interior section of chimney inside of attic $400 Mortar exterior section of chimney $600 secure all loose electrical wiring in basement $85 Tearoff and replace south side of main roof, $4400 Additional cost may apply if board replacement is needed due to rotting or broken boards.No quote on the foundation yet.

We are very flexible and would come up with something that works great for all parties involved.