Experience depends on who you deal with - the cleaner the loan file and more organized your paperwork the smoother the process with any private lender.

I'd greatly appreciate your insights if you’ve had any positive experiences or can recommend reliable lenders for this transaction.I don’t have a Fannie Mae or Freddie Mac loan; it's BoE .

Quote from @Vince Scipione: Standard would be an FHA loan for your situation more than likely.

Also add if you are getting any type of loan on the properties a Wyoming LLC will not make you anonymous as you will need to sign the mortgage in your name: 

I then found 3 properties from wholesalers in areas that I invest in regularly and purchased the properties with a hard money loan.

Still, you may not have to submit your tax returns. more info would be needed to know for sure, reach out to a seasoned loan officer for pre-approval and see if your situation would allow for this. 

They asked me to empty my savings, max out cards and then finally to take out a loan.

The market is ALWAYS changing but I know at this time, seasoned investors are getting 80% LTV on DSCR in the 6% range and 90% of PP/100% of renovation if total loan does not exceed 75% of ARV for FixNFlip loans. =)  

I am looking into purchasing a second (vacation) home and would love to hear your thought on the pros and cons of going a conventional 30-year second mortgage vs. using a HELOC or Home Equity Loan on my Primary Residence to purchase the second home outright. 

On October 31st Blue Metrix reached back out and said they weren't going to pay off the loan unless they got a greater discount.