I have spoken to several local banks and credit unions and none have any properties where they are in default.

In terms of financing, one thing that might be worth exploring is connecting with local banks or credit unions that are more familiar with the market in Ohio-they often offer more flexible terms compared to larger national lenders.PS: Here’s an interesting tidbit-Ohio has one of the lowest property tax rates in the country, making it even more attractive for real estate investors.

I would connect with a few lenders on here, find one local mortgage broker, and then call around to several regional banks and credit unions.

Try local banks and Credit Unions, they'll offer the best terms for you. 

@Kent KettellWe have been using loan to cost funding our deals the past three years, with community and credit unions, and the refinancing once stable to agency.we are able to get 80% of the rehab built into the loan, and it has allowed us to come up with less.

I hear the same story about how the general economy, my length of time owning the business, etc are reasons credit unions (same ones who were on board before I bought the brewery) are now not willing to finance. 

Maybe you want to try a local credit union and title company to save on fees?

**Credit Unions or Local Banks**: Smaller financial institutions like credit unions or regional banks might be more open to taking a second position, especially if you have a good relationship with them.3.

@Jennifer Katherine De Loughy- probably not ....try reaching out to local bank / credit unions  that are close to the property ...try reaching out to any bank connections you have ....you might find a lender that's willing to  cross collateralize  it with your home 

Please help me find a bank, credit union, etc that will let me use 100% of my equity on an investment property for an interest only HELOC.