Non-Owner refi's

[Account Closed]

We are running into problems with our non-owner refi's. Example, borrower's middle FICO is 686 with absolutely no lates, has 8 mortgages on his report - this would be 9th, owned subject property for 12 months, full doc, no cash out just rate and term, LTV is 48%. He bought this house for $28,900 put $5,000 into repairs, has great reserves and we keep getting denials. Anyone know of a lender we can submit this to that is closing deals like this one?