Commercial Loan question

[Pete Schmidt]

How deep do banks normally dig for commercial realestate loans? Here is my situation. Full time I work for the State Police, have a property managers license and Mgmt bness where I manage 20 homes owned by others as well as 1 that I own. I purchased an acre of land in an LLC being partners with my mom (she put the down payment down and I handle the rest). Purchased the property for $150,000 owner financed, and put $30,000 down (no bank would loan to me because it had 2000 sqft brick house and 6 mobile homes on the same partial of land (and they were all trashed). I spend about $50k in materials/repairs and have 6 of the 7 properties rented for the last year. 7th will be done next month. As of now it's pulling in $60,000 a year. I have purchased all the materials with store financeing and credit cards that have 0% interest for 18 months or better. I have been knocking them down quickly but does not leave much for cash flow. Figured if I could take out a loan for $155,000 I could pay off the mortgage, and every credit card Or loan associated with this property. Doing so though they want my personal taxes and finances, my property Mgmt finances, I have a repair/construction bness as well a graphic printing bness. They said they need along of those too. Though It seamed like a bit much since the house aloneness covers the mortgage and then some, I turned it in. (My credit is great and other bness are profiting. Now they want to see my moms last 2 years for taxes. Is this the normal procedure for a commercial loan or they just jerking me around here? Seems a bit excessive considering the value of the property and what its pulling in vs what I'm asking for.