Investor Friendly Lenders in Middle Tennessee

[JT Spangler]

Does anyone work with an investor friendly lender (small bank, credit union, etc)? 

It's obvious to me now that the choke point in my buy and hold strategy is financing, since anyone who follows Fannie/Freddie guidelines sees my DTI as way out of whack (due to an oddity where they'll count the debt servicing on properties against my debt but won't count the rents as income until they show up on tax returns). This isn't going to change, so I'm looking for a lender that makes underwriting decisions in house and doesn't sell loans on the secondary market.

I can buy and fix up with private or hard money, but unless I have a lender that will put long term financing in place based on the rent rolls and my track record I'm going to be waiting a long time to acquire new properties. 

[JT Spangler]

I've looked into visio lending before, and if I remember right their long term loans are ~8% (plus points) and 60% LTV. So, those are pretty big turnoffs, although potentially viable for the right deals.