Typically seasoning means that the funds have been in a bank account for a set amount of time (usually 60 days), so ANY lender should love that....I thought maybe you meant un-seasoned funds?

I've done refis with section 8 tenants in the units from traditional banks and dscr lenders.

The tenant was paying rent to the previous owner but hasn't been paying rent for a while since the property was foreclosed and sold to the bank.

No biggie my bank sent me the fraud alert and I had them block the charge.

We're still waiting for the owners bank to let us know if they'll actually help us or not.

They should know this is coming as it usually takes 1-2 years for the banks to auction the house.  

Please explain.

This helps you stand out from the typical lowball inquiries the agent may have received.After the walkthrough, if you’re ready to move forward, explain your reasoning.

And the rub is I do not even need to withdraw funds from my SEP IRA because I already have enough in my bank account to show them. 

I’d suggest starting with local credit unions or community banks—they’re often more flexible with investment properties.