How do you find banks that will keep lending to you?

[Jennifer Rysdam]

I feel like I'm banging my head against a wall. Every bank I talk to tells me that they can't count my income from my apartment building until I've had it for 2 years, and that they can't count the $110,000 of home equity that I have in my house that is sold on a contract for deed, etc. How can I find a bank that will lend to me? Any good banks in MN, Southwest MN, or even Sioux Falls, SD area? Thanks!

[Casey Mericle]

@Jennifer Rysdam  many banks sell off their loans. You need to look for a portfolio lender  who services their own loans  and doesn't just sell them off to the big boys.  Call around locally and ask each bank if they have a portfolio lender. That would be a good start. Portfolio lenders usually have more leeway. 

 You could also try to tap into your equity with the home equity line of credit. 

 If neither of those options are available then look into a private lender or a hard money lender.