Getting a Loan without a W-2 Job

[Alison Fountain]

I recently quit my W-2 Job an am now having difficulty being approved for even a small conventional loan and looking for advice or tips. 

The details: 

I own 4 rental homes that are fully rented and together they cash flow $840 a month (2 are on 15 year mortgages so don't cover themselves but the other rentals cover it and then some) and I have a loan with my boyfriend for our primary residence which we also house hack with 3 renters, each paying $575 a month. 

I also have over $200k in cash holdings/brokerage accounts. I am now being turned down for a cash out refi on a $65k duplex I just purchased in cash. 

Anybody else run into this problem? Isn't that our goal as real estate investors - to be able to make enough cash flow to quit our full time day jobs? Any and all help in how to still qualify for future small loans would be appreciated. 

Thanks,

Alison