However while the chances are very slim, this route violates the due on sale clause in the Deed of Trust you signed for your loan

I had to prove that I'd graduated from college, because I had deferred student loans, and students aren't allowed in their properties.I had to have personal references, too.  

If you're looking to scale wisely, I'd be happy to discuss financing options that fit your goals, whether it's DSCR or Hard Money loans that focus on rental income for qualification or other strategies geared toward scaling your portfolio! 

I currently have a hard money loan on the property and am shopping lenders to cash out refi.

That will prevent them from qualifying for other rentals, a personal loan, or a home loan.I have sent nearly 60 tenants to collections.

This is the first calculation we perform when presented with a loan request and tells us whether the deal is worth pursuing.The 70% rule of thumb assumes the property is a flip, that there will be a hard money loan, and an agent commission paid upon sale.

DSCR LOAN

Is there a bank or credit union that offer a loan for it?

(both loans assume 15yr fixed) That gives a positive cash flow of 350/mo. much better. 

using owner occupied loans can get 96.5% LTV.