My wife and I have obtained three traditional loans and one lease with the option to purchase, resulting in most banks turning us down based on debt to income (non-portfolio lenders). 

Quote from @Karen Smith: With more investors turning to private money lenders for faster funding, what benefits have you seen from using private financing versus traditional bank loans? 

Traditional bank financing.

I understand the crime concerns, but why do you think traditional financing is risky?

While short-term rentals in areas like Kissimmee, Florida, can pay for themselves and offer lifestyle benefits, the ROI typically doesn’t match what I see from my traditional portfolio of long-term rentals in North Texas.That said, short-term rentals can still be a great choice, especially if you're drawn to the area and the opportunity to combine personal use with investment income.

What do you mean by "traditional 6-month financing route"?

This is done via a traditional cap table.

You need to carry a special type of health insurance, not the traditional kind.

Some are owned by my ROTH IRA and are making tax free cashflow.

Are there other options that could be better for a construction to perm loan (not through a traditional bank)???