Some stores may do it for a higher finance charge, or you can get creative and do a mixture of cards from different stores.

Is it a mixture of private money and banks?

Ladders or steps required by this section shall not be required to comply with Sections R311.7 and R311.8, Ladders or rungs shall have an inside width of not less than 12 inches (305 mm), shall project not less than 3 inches (76 mm) from the wall and shall be spaced not more than 18 inches (457 mm) on center vertically for the full height of the window well.R310.2.3.2 Drainage.Window wells shall be designed for proper drainage by connecting to the building’s foundation drainage system required by Section R405.1 or by an approved alternative method.Exception: A drainage system for window wells is not required where the foundation is on well-drained soil or sand-gravel mixture soils in accordance with the United Soil Classification System, Group I Soils, as detailed in Table R405.1 R310.2.4 Emergency escape and rescue openings under decks and porches.Emergency escape and rescue openings shall be permitted to be installed under decks and porches provided that the location of the deck allows the emergency escape and rescue openings to be fully opened and provides a path not less than 35 inches (914 mm) in height to a yard or court.R310.3 Emergency escape and rescue doors.Where a door is provided as the required emergency escape and rescue opening, it shall be permitted to be a side-hinged door or a slider.

I've called local banks and commercial lenders and they all have said no for a mixture of reasons but the highlights are:* I'm an out of state investor (based in CA that will use local property management)* The deal is less than $1M ($400k to be exact)* I'm not a seasoned investor (yet)I'm in a position that I can purchase the unit with cash, borrow against stocks as a bridge loan but want to refinance shortly thereafter.

I'm interested in a market where there's a mixture of cash flow and a sizeable amount of appreciation over time (not 1, 2 pr 3% over 20 years etc).

Your city properties will be mostly an appreciation play at this point in the cycle, and your west and north suburban properties normally offer a bit of a mixture.

A mixture of young and elderly tenants.

I'm a local investor that specializes in multi-family investing in the Corning area.  

I am considering investing in Corning NY and the surrounding areas.  

A buddy of mine and fellow Marine is transitioning out of the Marine Corps and probably going to start his civilian career in Corning, New York.