Smaller or local bank referral

[Harry Arnold]

Hi.

Does anyone know a smaller/local/investor friendly bank to refinance with? I have 4 SFR rentals at about 70% LTV. I used a niche lender to do one of the "R's", because that's the only option I had. Now, they're all seasoned over a year and I want to get a lower rate. I don't think I'd qualify for a conventional loan, as debt to income ratios may not fit. However, the lower LTV, cash in the bank, good credit may be attractive to a lender that services their own loans. Any help would be appreciated.

TGIF Thank God I’m Free. Free - because, I’m doing something I love!

Harry