advice on refiing HI condos with low owner occupancy

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I have Hawaiian condo which is a short term rental and the owner occupancy rate is less than 30%.  I have been told that the low owner occupancy rate makes it not possible to get a good interest rate.  Does anyone know of a lender who would provide ~3.5% rates for such a situation?

Tom

Tom 

When you are challenged with certain condo related issues that most lenders will not touch.  You just need to find a "Fully Delegated bank" that underwrites all of it own files and is a Direct Endorser.  That will allow you to get the "unit" or the condo association approved or spot approval so that you can avoid a 'Non-Warrantable Condo" loan situation.  The Non-warrantable condo's generally have to go portfolio and carry a higher rate.  Again unless you go through a Fully Delegated Bank.  Let me know if you have any specific questions.