I have a portfolio of 20 rental units and I used to use VRBO to rent out all of them, when I went to refinance with the bank I was able to only get very little out and when I asked the bank why they said it was because I was 100% vacation rentals on the entire portfolio, they suggested to keep it more around 70% long terms so I won't run into the problem again.

I'm looking for a good accountant in the Bozeman are who owns real estate (a BP podcast suggestion). 

Any suggestions.

I was looking for suggestions in regards to lender who can do commercial loan on LLC in California.

Suggestions/direction welcome!

I'd suggest talking to loan officers at the smaller local banks in the Triad - they will have more flexibility in their underwriting criteria than the big banks, might be willing to spend more time with you assembling a good loan if he or she feels a relationship can develop, and will be more in touch with the local marketplace.

Thanks for the suggestion on the rent schedule w/ appraisal, I'll bring up that point as well.As a fall-back I have found an asset based lender with rates that would work, thanks @Matt Mcguirk.  

Recently attended my first REIA meeting yesterday and was excited about hearing from the speaker and that I recognized a lot of the concepts from my 2 months of study. 

Best thing to do is call them, they are glad to help, tell you what others do, offer suggestions etc.Doug

My lender had suggested I receive a gift for the down payment.