Good Morning Bigger Pockets

I am shopping banks / CUs / Brokers at the moment. Here are deal details and what we are looking for:

Price: $2.6 Million

Down: 20%

Loan Amount: $2,080,000

Credit: Prime

NOI: $185k

Units: 31 apts/ 35 storage

We are looking for I/O year 1-2 (not deal breaker) and sub 4% rate 3/5/7 year ARM. 30 year term and no refinance penalty with same lender. After further stabilization we would like to pull out equity. Additionally we would like to minimize the upfront lender fee. Recently quoted 1% of loan amount by broker and additional .25% from lender ($25k) which is absurd IMO.

Please message me with additional questions.