Creative financing Solutions

[Jeffery Scullark]

So long story short, I have three properties, one that I just recently purchase in May with good cash flow.  I am now at a point where I feel comfortable with evaluating properties, negotiating, working with contractors, and managing the property.  The only thing that is holding me back is financing.  All of my current homes have been financed using regular banking so that is what I am familiar with.  Furthermore, I don't have a lot of cash on hand to put up 20% to get into each home but I have about 100k in one home and 50k in another that I would like to use to improve my portfolio.  Any ideas on what types of financing I can use to get this done.  My goal is to double my current portfolio at a minimum and in the next few years, get out of my 9-5 job.  Right now I am focusing on positive cash flow and give little consideration to appreciation.   My plan is to go to small local banks and credit unions to see how they can help me with this but I don't want to sound like a complete idiot.  Does anyone know of any banks/CUs that are investor friendly in Houston TX?