Alternative funding for a Triplex

[John Bower]

I'm looking to do a cash out refi on my current triplex for a down payment on another triplex. I have run all my numbers on the new triplex and I can get a 17.4% ROI and it will cash flow $663 per month. Great numbers. I have called about 5 banks so far. I just got off the phone with a local portfolio lender a few minutes ago. Based on my credit score and debt to income ratio they do not believe they would be able to refinance my current 3 unit home. I am too much of a risk. This is the same thing I've been hearing from the other banks. I've also talked to a company about fixing my credit score but I don't have any small accounts that I can pay off to raise my score. Does anyone have any ideas of how I can creatively finance this new triplex?