You can use seller financing, or you can use hard or private money.

Other local lenders I have used recently do not have very favorable terms. 

I've got about $525K in equity in the property, but lenders have told me that I cannot get a HELOC to access that equity for additional purchases because the duplex was financed as an investment - they have said TX law dictates that HELOC can only be used on primary residences.

You can verify us through the following link: https://www.bbb.org/us/ca/wood...You can also verify us through the American Association of Private Lenders (AAPL) lender directory https://aaplonline.com/directo... and PrivateLenderLink.com https://privatelenderlink.com/...Our team has a culmination of over 30 years experience in the mortgage industry.

I would talk to a number of residential, private, and commercial lenders.

While institutional lenders would probably need a number years proof of collections before considering the income from the wrap, private lenders, such as myself would look upon the situation more favorably.  

I now am more selective about loan officers as well as lenders. 

Also find a lender who can move fast - we have several that can close in 15 days and less.  

You can easily look them up on https://nmlsconsumeraccess.org/If they are a commercial lender, you may want to check for google reviews

Loan Origination Systems (LOS): What works best for mortgage and private lending?