Financing questions

[Victoria T.]

I currently own 4 properties, a townhouse in NY that's worth about 280 with 148k mortage, two condos in FL free and clear that total about 170k equity. And the co-op I live in which we won't count in this case. So between the 3 properties that's about 300k in equity. I don't qualify for traditional mortgage because I don't show enough income on my taxes. I have great credit and would like to purchase something else as an investment. Can't take a home equity loan at all because these 3 properties are not my "home" can't refinance the two condos in Florida because they are non warantable meaning more than 50% of complex is not owner occupied. Refinancing the townhouse in NY costs 16k in fees because NY is super expensive and with 148 equity -16k and I don't think it's really worth it as you can only get certain % 

I need help !! I know this delema can be worked out

..... I saw one lender doing something with like one loan for up to 9 properties, maybe lump up 3 that I own and add a new purchase ? But then I loose flexibility as I can't unlump them by paying down the loan.

Please help me sort out through this with any information that I am missing