Shortest I hear of is 3 yrs,  3pts first yr, 2pts 2nd, down to 1 pt 3 yr then if you sell or restructure (sell one out of the bundle) no pre pay but costs to restructure the loan or be forced to put a new loan with a new closing on the remaining houses.I've heard of DSCR loan terms down to 6% a pt to close 30 yr fixed. 

Purchase price: $365,000 Cash invested: $525,000 Sale price: $685,000 This property needed a Interior and Exterior Renovation, and floor plan re-structuring to optimize square footage.

Since there was some floor plan re-structuring since we added a bedroom on each floor, and removed a wall to open up kitchen/living room area, it would have be better to demo all plaster and start fresh.

Purchase price: $365,000 Cash invested: $525,000 Sale price: $685,000 This property needed a Interior and Exterior Renovation, and floor plan re-structuring to optimize square footage.

SHould i agree and cut my losses or re structure the deal that he will owe me on the backend of the sale?

Barrack's expertise, what I found missing was a mechanism that would cause the banks to make a choice that was against their long term best interest, that is not to restructure what other wise are quality loan(s). 

I have a few dozen HM deals that span over ten states on hold as lenders decide how to restructure their pricing and leverage offerings in light of this pandemic. 

If a landlord is in a position that they could forego rent for a month or creatively restructure it rather than taking payment from a credit card, then that is fine.

Now that they have seen they can continue operations, they are restructuring.

Currently working on re-structuring them under an LLC, with the intent to create additional entities and a holding LLC down the road as my portfolio grows.