12 sfh free & clear, cash out options? Stuck in limbo

[Kelly A.]

Hello all! Frequent lurker here, decided to join in on the conversations. Here’s my current situation.

I've been flipping homes full time since 2013. In between flips, I've purchased 12 SFH with cash. I have 9 of these rented. I'm now in need of capital to rehab the remaining 3 and to purchase additional rentals. I have tried local credit unions which is a no-go since I write off a lot on taxes & it shows my DTI as being too high. Any advice? Net worth 1.2M - I'd like to pull out 200K in a cash out refinance or portfolio type loan. I looked into one private lender that could offer individual loans on each property minimum 60 K with 75 % LTV. Most of my homes appraise in mid 70's range, so this would not work. I'm in small town Kentucky & all homes are in my S Corp.