I am quoting verbatim from an email I received from a broker who specializes in investor loans:"It's been a very volatile period over the last few months in the wake of Covid-19.

You’d have to shop around for draw periods and payback periods, too.

You could have 8 water heaters or roofs go out in a short period of time. 

@Shannon Frazier roommates generally stay a shorter time period than a family.

Many of my best deals have all been single-family homes that I've lived in for some period of time.

At one stretch last year, I think I had about 70 letters with almost the same pitch in a 2 month period. 

If you can be on the route you will be able to charge very high rates over the Mardi Gras Period.

They give you a time period to leave and then you are removed by the police.

Some of the terms I remember were: -Up to 75% LTV-Will lend to LLC-3-6 month seasoning period-Choice of recourse or non-recourse (slightly higher interest rate for non)-Asset based lending, and not conventional (loan depends on performance of the asset vs. your personal tax return)The market is currently in an interesting situation (especially in the Greater Atlanta Area where I invest) because although it is harder to find financing options for several of the properties that are now ready to refinance after being stabilized and cash-flowing, those same properties would be selling like hot-cakes on both the MLS and off-market investors.It has me wondering every day.. shall I wait and try to find the pre-COVID terms, or shall I sell for a profit?

I never have a problem with lag on any of them, even at our busiest periods.