Struggling to find the right financing partner

[Jake DeBoer]

Struggling to find the right financing partner, here is our situation:

We bought our first SFR just over three years ago with 5/20 CRE Loan, we have 19mo remaining on the original 5 years. We closed on our second SFR earlier this month. We paid cash. So now we have about $90k debt on $425k worth of assets and I can't find a lender who isn't offering us outrageous terms. I'm looking to pull out our $195k cash (second SFR purchase price), putting us at $285k loan or 67% LTV.

I don't get it. We're three partners with strong credit, net worth and income. I could personally go out and get a traditional mortgage for more than I'm looking for at a great rate, but our properties are owned by our LLC.

Any advice? We're in this for the long haul and would like to actually build a relationship with our lender, we're just getting started.