The problem is, and here's where I really screwed up, is that now I'm told by lenders that because we have a commercial tenant banks won't refinance the property.

My borrower is refinancing the loan to hold the property (BRRRR) and I'm wondering if the new lender will have any concerns with this policy. 

I've learned a lot since then have become a private money lender and have done a lot of deals.

Quote from @Mason Jacobs: @Marios Andrianos Im a private lender and would refi you as long as you had a LLC and a few other small things, if you are investing in the United States are you trying to use a bank in Greece for the US property? 

SubTo, "Subject To" is not a contract between the new owner and the lender.

I'm looking to connect with local investors, agents, lenders, property managers and contractors who have experience in these areas. :-) 

One challenge to manage is being able to clarify for lenders on those rentals (if you have them) which amount of the premium should be paid for each rental so that they do not include the entire premium into their escrow analysis, inflating your monthly payment on that rental. 

Whenever I ask lenders about it, they say they don't hold foreclosures.

I moved to miami and it's tough to do here columbus land is cheap. lower than lenders even require our buyers have to come up with additional equity just to close the loan. not sure austin's economics but happy to look at a case study with you to see if it's feasible 

DM me, and I will send you contacts for attorneys, lenders, and accountants they have previously used.