Commercial lenders for 3-4 properties portfolio - BRRRR

[Steve Mandelbaum]

I have 3-4 properties I need to refi into long term loans.

I have 2 Hard money balloon loans due in January from one of the big 3 national lenders. 

I have owned one for 3 months 

I have owned another for 6 months

Each lender seems to have a wrinkle on their programs that make them less appealing.

i.e One lender will not write a loan for a less than 6-month ownership.

Another wants 3300 (times 4 or 13,200 in their fees) per house for their fees.  They have minimums and the houses range in value from 80k-150k.  

Looking for suggestions and advice.