Local Bank Recommendations

[Hank Walter]

I'm trying to acquire some small multi-family on the west side of Cleveland and some spots in Akron, I've been trying to get in contact with a couple banks in the area... First Federal Lakewood, Buckeye Bank, and a few more. Thus far, no solid movement, despite having sent all the documentation requested via portal or directly to the individual at the bank. 

Getting my first rental mortgage and second property through private money was not nearly as annoying as this process has been so far. 

The main issues I'm running into are: Too high of a D-to-I ratio and being out-of-state. I have a current rental property that is leased up but I live in the remaining small portion of the home which lenders still consider in the in the D-to-I ratio even though I don't pay anything, it runs at a 1.32 DSCR. The mortgage payment is the only bill I have monthly, I bike everywhere so I don't have to worry about car notes. Based out of Minneapolis, MN and searching in Cleveland, OH I had some lenders say they are hesitant to lend since I won't have direct oversight from a couple of states away, even though we have completed our vetting processes in the area and made what we think are strong selections for our team.

I've got two paths to go down, both of which have many pros and cons. 

1. Obtain financing as a individual; 

2. Obtain financing as a new LLC; LLC is 25% ownership split four ways, all four members are gainfully employed outside of the LLC.

Anyone work with an investor friendly lender in the area or faced similar issues and figured out a resolve to them or have a recommendation for best course of action?