Three Rentals - Three Problems

[Account Closed]

Ok I just wanted to make a catchy title but I do have three problems, Well more like good problems to have...

I have three condos in Las Vegas that are all paid off in cash. They are worth around 75k.

My problem is this, because of reasons I will not get into I would not be able to get a loan in the conventional sense. No not bankruptcy, short sales or anything big. 

I would ideally love to take advantage of these low interest rates and implement the strategy of buying properties all cash, fixing them, and then refi as long as the cash flow makes sense. 

So my question is this, has anyone, or heard of anyone using smaller banks or credit unions to get financing on residential homes that lend in house? OR even commercial lenders who are giving favorable interest rates and would be willing to work with as I acquire more than four additional properties? 

I buy in CA and Nevada. Any leads or recommendations would truly help. I am at the point in my real estate investing career where I need to start leveraging my money to really take my business to the next level. 

Thank youuuuuuuuuuuu