However, for longer-term profitability, flexible loan terms often have a bigger impact, especially with interest rates or repayment structures that align with your goals.

Like Jay said, there can be more flexibility in repayment options. 

I think we all agree madmen with a gun is a bad thing, I'm not as worried about madmen with a rubber hose or sane men with a gun.

We can be flexible when we pay them back.

@Helena Goyvaerts it will be tough without 2+ years of USA tax returns showing you are profitable.Higher interest rates have negatively affected most lenders and many of them are getting more aggressive with offering more flexible programs. 

I've seen many people suggest a cash out refi but I like the flexibility of the heloc.

I am kind of flexible on price point, something under a million for sure.

Staying local and house hacking—especially now, before kids—gives you so much flexibility to set yourselves up for long-term success.Your financial foundation is super strong, and house hacking a quad sounds like an amazing first step for you two.

However, they are not as flexible as Fannie, Freddie and FHA.

I feel this gives me the flexibility to find the right solution for my client and not just sell what my bank offers.I'll also throw in my 2 cents on common differences I've seen in my career:CDFIs - Because of their subsidized financing structure, they have the ability to be a low cost lender (and sometimes provide grants).