Seeking TX Lender for Purchase - In-House (non-conventional)

[Travis Rogers]

Looking for a Texas based credit union or bank that would service a mortgage in-house. Due to a cost seg on a storage facility last year, showing a loss on paper (six-fig accelerated depreciation), I don't qualify for Fannie/Freddie, but qualify for any other type of mortgage (stable/solid income, credit, employment, cash-flow, etc.). I didn't lose money, but on paper it shows a loss (due to accelerated depreciation on the cost seg).

Looking for a 70-75% LTV on the purchase of a new home (investment), cash flow is great. Can show PNL from self storage (record year of course) and cash flow from all investments (also record year). Any bank/credit union referrals that service some loans in-house in Texas would be appreciated. Home is in the Temple Texas vicinity.

Thank you! All the best!