I am just finishing up a rate and term refi on a single family non-owner occupied rental property, 70% LTV, at 3.5% and 1 point.
I shopped around extensively and there were plenty of brokers in this range. The process has taken about 90 days, but my case probably is longer than most because I have a bunch of rentals and am self employed so income verification is a nightmare. I had to do an appraisal but some might not have to I hear.