Unfortunately with those numbers it's tough to find a non-bank lender/financial institution that will lend.Usually loan minimums are $50K and the up to 75% LTV on purchase-money/70% LTV on cash-out refinancing, which basically means you need up 25-30% depending on the type of financing. 

Are there investors here in Texas that have utilized and would recommend banks they hold series LLC accounts with? 

Get a bank statement to cross-reference their paychecks as most employers now direct deposit.You'll also see if they have a savings history or are living paycheck-to-paycheck.If they are not paying rent right now and have no savings, how well do you think they'll be able to adjust their budget, so they can pay rent on time?

Usually I win ... but he says he use to figure, 'I don't really like the deal but if the bank underwriters will go for it...

His bank was in a state like Indiana, while one of his companies is in Wyoming, and just all sorts of weird sketchy stuff that accumulated over the period working with him.

Bank loan How did you add value to the deal?

Did you use a local bank that agreed to a Seller Carry in second position?

The goal is to keep these for rentals.I currently own the land personally and am funding the builds with a combination of HELOC and cash - no bank debt tied to these properties specifically.

Your bank account will thank you!"

Bank loan How did you add value to the deal?