You now don't seem like the type of person most of us would accept a recommendation from.

The association has investigated loan products for such work, but has not committed to anything.

Thanks What loan product are you shopping for?

Dominated by about 7 tech non physical product companies.  6.  

Once it's rented, use that rental income to help offset your DTI, which may help you qualify for the second property sooner.Partner with Investors: Team up with someone to split costs and lower your personal DTI impact.

I have personally owned over 200 cash flow rentals and sold them as it simply was not worth it..

I am betting your gonna find a lot more friendly amicable persons than shut doors. 

The 2008 timeframe was different and in situations a lot harder than now, but this market will shape a lot of investors that found their new market, product to focus on, and/or to dive in deeper when times get tough.   

Many banks limit personal loan amounts.

When you go to a Bank or Credit Union, they can only offer you what products that bank or credit union offer.