Frustrated with banks. Tips on raising capital to purchase rental

[Account Closed]

Hey all, I have been trying to get a loan for my second rental property and it has been very frustrating to say the least. I cannot go through a bank to get a mortgage. I am currently unemployed, but I have multiple streams of income which the banks will not count. I have a small business and one rental property, combined with VA disability. I make PLENTY of money to pay for another mortgage, but the bank wants to see at least TWO years of self employment and also landlord experience. I find that ridiculous. I am working on my bachelor's degree, so I will not have full time employment for quite some time.

I don't want to do hard money either because it seems nearly impossible to find a legit lender. Every HML I come across on here seems like a scam waiting to happen. Plus hard money is only for short term fix and flips generally. I am looking to buy a rental property. Can anybody here offer advice on how I can raise capital in a timely manner to purchase my second rental?