or Global warming changing the weather patterns? 

Here are some additional details on the property I am looking to do a cash out refinance on:- Single Family Home-Purchased for $71,800, rehab total $18K, ARV ~$120K-Purchased the property in early February and hoping to refinance pulling all my cost (~$90K) back out of the property I have read a handful of other forum posts on this topic and have already reached out to the following banks with no luck: Croghan Mortgage, First National Bank, First Fed Ohio, Park National Bank, First Ohio Home, Aloha Capital, RCD Capital, Freedom Capital Funding, Certain Lending, Albeca, MCNB Bank, Global Integrity.I realize this seasoning requirement will fall out of traditional financing guidelines, but I am hoping a portfolio or commercial loan is possible. 

Cash.Personally I think that in 20 years we are more likely to be talking about global cooling than global warming.  

The banks/credit unions you mention are going to require a global cash flow, meaning they will look at all income and expenses.

I don't have numbers, but as I understand, many Miamians are heading this way to get away from the high prices, crime, over crowding and potential global warming issues.

There are lenders and loan products out there for this, but as the saying goes, the devil is in the details including land costs, entitlements, zoning & permitting, due diligence, financing costs, title & closing costs, architectural fees, horizontal improvements, vertical construction, construction schedule, loan draw schedule, interest reserves, market supply and demand, market rental rates, lease-up schedule and cost, carrying costs, 3+ years of detailed financial projections, takeout loan scenario, etc, Plus your experience, net worth, credit history, global financials, project team, etc.

I think it will continue even if there is a recession or slow down in the global markets.

It was also comparatively pricey with a $200/month minimum obligation.BuildiumBuildium is a web-first platform started in 2002 and has grown into a global, PE-backed player. 

There also looks to be issues where gaming has expanded with a bailout in Delaware and financial issues in other states (granted bankruptcy is very common even with successful companies as Caesars globally is doing right now) but the point is you need much more than just gambling. 

But the Big 4 is globally recognized.