Advice for Lender - are they "messing with me?"

[Lucas A Davidson]

So, I purchased my first "flip" in June for $62k, did 33k in renovations, and now renovations are done. My broker thinks comps would come in around 145-160k. I recently decided to rent it instead of selling it, as rentals are great for weathering recession (which I think is coming)

I asked my lender about a refi. She told me they only do in house rental refinances for 20 years - not 30. Then a 5.25% rate.
With escrowed insurance and taxes, the monthly bill would be around $880...
I was intending to rent it at $1,000-1,100, so obviously this wouldn't be very profitable.

I asked her to go back to the drawing board to see if there was any way to make it 30 years, ideally a payment around $650ish.

I guess I'm seeking some advice - she told me I was a high risk when they gave me the loan, and now I've proven I can do the full remodel she says I'm a high risk, still. I have excellent credit, I am a realtor on top of a full time job in a leadership position, and did the remodel in half the time and at budget.

If she won't budge on the 20 years, should I be shopping around?
Thank you!

[Bjorn Ahlblad]

@Lucas A Davidson Welcome to BP! You should be shopping around regardless.