@Debbie Schoemann  just go to a local credit union they will take care of you. 

Has anyone had any experiences with them good or bad? I keep getting their solicitations. I'm looking to acquire some cash flow props and don't have a ton of experience. Thanks for the responses in advance.

I dont know if your police but I believe there is a police credit union in golden just down the steet from the prision before the high school, or atleast was there 10 years ago. even if your not PD they may work with you a little better then a regular bank.

Apparently I'm related to an African prince and inherited millions of dollars.

My strategy is to get homes that are already stripped and make everything Ada, I have a little knowledge of the requirements from being a union carpenter.

Also, talk to your local banks & credit unions, they tend to carry more loans in their portfolio so they are less bound by fannie/freddie rules and can be more flexible.

This is a point where a trip to a few local banks & credit unions might really pay off.

I have had meetings an a few banks, wells fargo, think bank, a credit union, and I went to my local bank in my hometown called home federal bank.

You'll need to connect with a smaller bank or local credit union.  

Are there any Credit Unions or other AZ banks anyone has worked with that does loc on investment properties ?