Do the refinery workers have a union or a company HR department that can be reached to advertise to directly?

As long as the property generates enough cash flow, you may qualify based on the asset alone.Another route is to explore portfolio loans from local banks or credit unions.

Lastly if your not sold on any market yet I have always done very well in and enjoyed military markets.

Are you military?  

Las Cruces is a small college town (home of the New Mexico State University Aggies) with healthy population of federal government workers and military contractors.

I usually work with my local credit union where I have developed a relationship over the years.

You can put a heloc on after the refi up to 100% with select credit unions that will go up to 100% LTV. 

As for lenders, look for local banks or credit unions that understand the value-add you’re creating in each property.

One pssible workaround might be exploring smaller community banks or credit unions.

Killeen is a good cash flow market, but you have to buy in the right area and also time your tenant turnover to the Permanent Change of Station (PCS) season since it is predominately military town