Try Alliant or Aspire Credit Union .

Call local small banks and credit unions in your area.You can still use these loans on 1-4 unit properties.

A credit union (usually) that does not sell their loans up to Fannie and Freddie. 

And they have GREAT service, seriously its like dealing with a credit union or a single-branch bank.

I've had pretty good luck with credit unions lately.

Typically you will want to work with a direct to FNMA lender that doesn't have any overlays, but smaller community banks or credit unions that service their own loans could work as well. 

I have around 10 years left in military before I intend to hang up the hat, so our goal is to replace my income before I retire (but hopefully we can do a lot more than that.)I look forward to being more active on here, and hopefully meeting some fellow investors near Fayetteville! 

I'm currently buying 1-2 properties a month in an effort to help as many military/veterans own cash flowing rental properties here.

As a Military Officer, Take Charge (of the Household) and Move Out!

You would use their money to purchase, and do the repairs as quickly as you reasonbly can, then go to your bank and get permanent financing (or get your whole mortgage as a HELOC if you can find a bank/credit union to give it to you that way).It'll cost you a few points to the hard money lender, and a 10-12% rate for the time you have it.