Maybe some kind of liability there, or they don't want you prospecting customers from the bank or maybe some kind of RESPA compliance issue if they end up getting the loan.I think it is a good idea to check to see what kind of discounts your bank will get you on the loan, but I also say shop around. 

Under this statute, a “residential mortgage” is defined as “a loan secured by real estate containing two or fewer residential units,” regardless of whether the property is owner-occupied or held for rental use.

The renters you attract tend to be more financially sophisticated or transition-oriented (recent liquidity event, business exit, relocation, or waiting on a custom build).Rent parity works better as a capital-preservation story than a monthly savings story.As you noted, the real sell is deploying or preserving $300k–$400k of capital, not saving money month to month.

They want a customer who wants to buy a house (to live in) or a car or a boat.

Well, once you get into the millions and millions less people that are customers (to live in a house), it might make some little difference.

OwnerRez requires more manual setup during migration but offers great long-term control if you're prioritizing accounting and customization.

We've been doing a mix of custom residential projects - single family renovations, additions, new builds, etc. - as well as developer driven urban infill projects - small apartment and condo buildings, duplexes, ADUs, site analysis studies, etc.

Same audit protection, same CPA-friendly reports, just productized instead of custom.

We have a great cleaning team which we view as our partners in this business and we try to give great customer service to every one of our guests. 

Many use a mix of Excel for custom modeling and tools like the BiggerPockets calculators to speed things up.