Jerryl, you’ve touched on something here that I think needs more explanation.  

While it certainly could be discrimination, I just think there are 100 small and medium sized banks around Texas that would not touch this with the risk profile.  

They will not touch real estate.

We plan on just doing basic touch ups and paint on our bedrooms, but we didn't know if cool features would add value.

Hey @Seallington Touch I'd recommend attending some local meet ups and listening to the podcasts.

It isn't going to be in Oregon I can tell you that unless it's rural which I'd never touch. 

Start by getting in touch with an agent/lender.

I agree with @Monique P.. the best way to establish your own personal clientel list is to let them know to get in touch with you personally the next time around.

I wouldn't touch Cleveland personally it can't and shouldn't' be compared from an ARV potential it's a cash flow market strictly. you can't do the strategy you are talking about when the average home is more than 60 years old in Cleveland and sells for $120k or less. hard to change those economics.

So impress with your plan and love to stay in touch with you.