You are prepared for suit but the ball is in their court.

 Hello  I currently own some rental property free and clear in Jacksonville Florida  These properties are single-family homes generally  I was wondering if anyone on BP knows a company or a lender that will allow me to pull the equity as a line of credit.

This way you can finance the property through traditional means.If you are adamant on getting an investment property and you want it financed try a local credit unionhttps://www.creditunionsofontario.com/list

My credit is good and I have solid equity/great renters in all of my properties.  

So if your taxi driver is talking REI he probably has good credit and a way to pay for the mortgage. 

No tax returnsMinimum credit score 650Max Loan to Value 75% on sfr or 2-4 unitOnly up front cost is for appraisal and creditRates in the 7's with a 30 year amortizationAgain, points not to exceed 4You don't have to sell your beautiful flip when it's done;  keep it, manage it, profit from it.  

As far as reserves, I've got a pretty good cash cushion built up, plus a line of credit in case of a dire emergency.While I haven't exactly budgeted for CapEx, my initial plan was to set all of the cash flow aside in a separate checking account to build up toward replacing the roof, separating the electric and hot water, etc.

What I mean is that they will look at you personally, your credit, income etc.

I'd be happy to have a conversation with you to see whether we'd be a good fit and if so, will be prepared to get to work immediately.

and how is your credit.if you have a little bit of money IE the 3.5% it takes to get a FHA loan then just go that route you need a job and credit as well.if you cant qualify for a FHA loan there  are not going to be any private lenders going to do anything with you in any capacity... remember those books are just ideas and maybe someone gets lucky but its not the norm by any means.. they are selling dreams..