Local Banks & Credit UnionsSmaller banks and credit unions are more flexible than big lenders and might approve you with:✔ A detailed project plan✔ A licensed subcontractor network✔ Proof of rental income history (since you own rentals)4.

I would talk to a local bank or mortgage broker to see what you can get for a loan first and then go from there. 

We have had work crews from a local lab and solar farm (separate bookings, obviously) for 3-8 weeks that rent the whole house in the offseason.

You can work with a local credit union that does HELOCs, Home Equity Lines of Credit or Loans, on investment property.

@Linda Thomas yes, at least do that so there's something in writing and showing you're complying with the law. 

You will need their advice on your state & local laws to properly proceed.

I know more about Phoenix living locally but I hear good things about NC especially from east coast investors.

All are being used as LTR and managed by local PM. 

Only text if they’ve opted in.Don’t Overdo It: Keep it respectful don’t flood them with texts.Follow the Law: Make sure you're following the TCPA and any local rules to avoid fines.Basically, get their okay first and always make it easy for them to stop hearing from you!

If you're focusing on rural properties, sometimes local community banks or credit unions are open to these types of deals.