Primary Residence Jumbo Loan need help

[Keith B.]

This is my first post on BiggerPockets ever.   I've been a member for a while, but I've always just come  to research  and read.  

I am a business owner, I pulled a salary and a K1 disbursement  every year .  On top of that  I own  10 rental properties, free and clear. They all flow cash very well.  I have purchased 2 this year and dont have tenants yet.  My current primary residence I also owned free and clear.

I'm looking to purchase a new home. Not contingent on selling my existing home. I am going to sell my existing home  but it won't happen  contingent on  the sale of this new home . The purchase price for the new home will put me into the jumbo loan category. I feel like every lender I run into, gives me different information.  While I understand this is a portfolio loan and lenders have more discretion on guidelines. I feel like the answers I am receiving  are out of ignorance.  I've no problem with my credit score, I've no problem with my down payment. But the banks want what seems to be an insane amount of Reserves (6months) for All 10 properties, my existing primary and my new primary.

While I understand my income isn't the cookie-cutter W-2.  I feel like I am  struggling to find a decent lender.  Or I guess to put it more accurately, a decent loan officer.  This home will be in Michigan and any help would be much appreciated.