As a local of the area, do you have any good experiences or recommendations for local lenders in or around Carbondale.

The broker might also be able to recommend some lenders that would help you with financing.To your other question about the type of financing, it would depend on what you plan to do with the property once you have full ownership. 

Look into ways to pay, like common loans, government-backed loans, or money from private people.

Maybe find some private investors willing to lend you $ for the deal.

Last year I tried 60+ lenders (attempting the Brandon Turner method of "No?

After seeing several "market crashes" of varying degrees, an experienced lender will not lend 100%..particularly on a non-owner-occupied investment.

Water Supply Company is private and owner doesn't have money to build more wells and is already in some big dispute with state regulators.   

Ask your lender if they have a "free Refinance" program too after you add the value to the property.

I have some questions.He wants to stick to Bank Financing over private lending.

I am a  lender but do not report to credit agencies does that mean the borrower does not have an obligation to pay me back?