I agree with @Jamie Banks that, while it takes time, its best to develop these relationships organically.

These rates of return surpass what bank-provided bonds and stock dividends offer.

The bank I have used, Lyons National Bank, lends to me through my LLC.

So the loan for the rental shows as a debt but the income is not reported to the bank where we are trying to get the new loan.

With such low rental yields, the return on investment (ROI) and cash-on-cash (CoC) return are negative when factoring in mortgage payments only, not including any other factors.In this market, it seems almost impossible to make a profit using traditional rental property investing strategies.

Michael, Every bank has different rules.

This property can NOT be financed by FHA or a traditional conventional 30-year fixed-rate loan.

I am not sure the Tenant is so friendly, my property manager deals with them.If you have a PM, they should answer this question for you and handle the process.You should notify the PM and update your PM Agreement, W-9, banking information, etc.

75% bank financing.

You mention a traditional STR PM agreement where the upside is shared by both parties.