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. 

The seller was willing to take a secondary position on other property assets and provide a 3yr 4% interest on his loan.

@Jerry Chilimidos I am not a CPA owever my understanding is any loans to your IRA can not be personally guaranteed.

Quote from @Tiarnan Gormley: How will you qualify for loans?

So if I understand, you would get a loan the normal way and then the bank trust is an extra fee that comes along with owning the property in Mexico?

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

Having owned property in rockford its not a great appreciation area so getting a HELOC will probably take 5-10 years based on loan pay down and maybe some slight appreciation.

What type of loan are you looking to get into?

The interest rate on a HELOC or Heloan may be better than the personal loan. 

I can likely do this loan, but in all fairness, with this type of loan I suspect a community bank is going to beat me out.