Kansas City and Lake of the Ozarks Multifamily Package Loan

[Chris McCall]

I have purchased two multifamily properties, one in Kansas City, KS and one at the Lake of the Ozarks, MO. I was able to purchase both creatively with owner financing (very favorable terms for me at both properties), and I currently live in a house in Olathe, KS (suburb of KC Metro) that I own, that was previously a rental house. My goal is to refinance all three properties under one loan, while using the equity from the combined properties to purchase a fourth multifamily complex at the lake of the ozarks that I have found and meets my financial goals.

I am struggling to find a lender that will participate in my plan, (I have spoken with three) most have given some type of reason why they can't participate... 

1. geographically the properties are not in their territory or one is and the other isn't (KC is approximately 3.5 hours away from lake of the ozarks)

2. I have only owned the multifamily properties for a short period of time. Both purchased here in 2016, and they say I can't refinance and realize any equity since I was able to purchase the properties at a good discount, and that doesn't count towards the actual retail value/appraisal of the properties.

I am also wanting to turn my house into a rental, and once I find a suitable tenant, I would rent it, and rent/buy another place for me to live. If I was able to package my house into the commercial loan, I would free up my FHA status enabling me to purchase a duplex-4plex for me to live in and rent out the other portion.

Any thoughts or ideas, or references would be appreciated.

Thanks in advance