BRRR financing question

[John Gardner]

I have 3 properties and I have purchase all at foreclosure using the BRRR method. My question is that all of them have gone back to my local bank to keep the loan inhouse. They use a 5 year balloon that is set at a 15 year payment. So in order to keep my cost low and not have to refi every 5 years what leaders are out there for me? FYI my credit is excellent and score is over 820, so that isn't an issue.

thanks,

jg