I went to my local credit union, Wells Fargo, and United Bank and each one turned me down after "checking with legal."  

You might want to check with local credit unions or community banks, as they’re often more flexible with second mortgages. 

The tenants so good I even lease a new unit to end same day an old tenant leaves, they have 700 scores so no one does anything wrong. 

Typically they want good credit score, landlord experience, and 20% down.You can get ones that will either use current rents OR market rents.

Your local credit union or bank should be able to help you with that 

Credit score. references..

If you develop a great relationship with local credit unions, you'll be surprised by what all they're capable of.   

You will need to call a CU Credit Union and already be a member or move cash into an account.

:Class A Properties:Cashflow vs Appreciation: Typically, 3-5 years for positive cashflow, but you get highest relative rent & value appreciation.Vacancy Est: Historically 10%, 5% the more recent norm.Tenant Pool: Majority will have FICO scores of 680+ (roughly 5% probability of default), zero evictions in last 7 years.Class B Properties:Cashflow vs Appreciation: Typically, decent amount of relative rent & value appreciation.Vacancy Est: Historically 10%, 5% should be applied only if proper research done to support.Tenant Pool: Majority will have FICO scores of 620-680 (around 10% probability of default), some blemishes, but should have no evictions in last 5 yearsClass C Properties:Cashflow vs Appreciation: Typically, high cashflow and at the lower end of relative rent & value appreciation.

And a diversity of natural attractions and landscapes that no other state in the union can come close to matching..