Your nationals/regionals won't touch they typical 5-20 unit product because the size is too small to make a difference for them.

Check with lenders for current product availability.

Down to 0.75x at 65% LTV max w/ a .750% rate llpaorDown to 0.8x at 70% LTV max w/ a 0.375% llpa butThe products that require 1.0 (Qualifying Rent/PITI) are the lionshare of deals although there's a small LLPA for falling below 1.15 in most cases

Make the mistake of accepting one of these requests and their next contact will be this interesting new loan product or a way to use insurance as your bank. 

My point is not to look at it from an investment perspective, but most Americans wealth is tied to their real estate, and if you offer a solution or a product that prolongs that wealth building, you essentially keep people poorer longer.

You must live in the home for at least one year with this product.

If you’ve been on this forum lately, you’ve seen about 47 posts starting with:“I’m building an AI tool to analyze deals…”This is not one of those.I used to be VP of Digital Product at a large retailer and got my real estate license a few years ago for fun and investment opportunities.  

LOC on Co-ops is already a niche product, so options are limited but I am still curious to hear from anyone with experience in this area.

I am actually evaluating property management solutions right now and this product was on my short list until I read your post.

Also real estate investor agents and REO agents have different views on things as well.is there a place to understand the experience and type of product they sell?