Try talking to local banks who want to do business with you.

ASSET BASED LENDINGNote: Hard money is defined as average loan size under $2M, average loan hold duration under 2 years, and not a bank. 

However those with no to very limited experience will never get a fix and flip loan  from a bank. 4.

@Brice Alef-Torrisi putting each property in its own LLC is usually overkill.Getting a bank account for each LLC is typically something you need to do to avoid "piercing of the LLC corporate veil" (actually depends on tax selection you made for LLC), but is also overkill.You haven't indicated how you are holding the deed for the latest property.If in your name or same LLC, you don't need a separate bank account.If in separate LLC, you can create a Master LLC, have each property LLC hire the Master LLC to manage their affairs, and just get a bank account for Master LLC.This is an opinion, not advice, so lookup CPA Frank Alcini in Troy for expert advice.

I have a bank locally that will use DOT as collateral for loans.

Quote from @Will Cruz: Does anyone know of a Bank that is willing to do a HELOC on an investment property?

I understand it is linked to a bank but was having trouble discerning how it imports outside transactions not from the partner bank. 

When you say OPM, are you referring to using the bank's money?

These same banking regulators required banks (which include Trust Companies) to hold reserves of safe assets.

When loans were called, was it due to specific triggers like delinquencies, insurance lapses, or low-interest rate portfolio loans held by smaller banks?