Florida is more landlord friendly than most other states in the union.

We used a local credit union a few years ago to refi many of ours using conforming loans.

They vary greatly, up to each individual bank or credit union.

To find a relationship lender, call or visit the small local community banks and credit unions near the property. 

Similar to what @Lyndsay Zwirlein recommended, call your local credit unions.

I was able to get a job on a gov ship through my union in Baltimore that allows me to be home and have weekends off which allowed me to have time to move closer to my goals. 

If you are the one or have worked with one that did a great job, please refer them to me.I am focusing on finding single/multi-family houses that need a lot of work in Bayonne, Jersey City (07304, 07305), The Heights, Union City areas.  

@Micah Franklin Check with your local credit unions.

Investment Info:

Other buy & hold investment.

Purchase price: $18,000

Cash invested: $18,000

We bought 3 acres working on developing 11 parcels for single-family homes.

This could be through finding ways to increase the rent on your existing properties, taking on additional work, or finding other income streams.Reducing your current debt levels can also improve your DTI ratio.Improve Your Credit Score.Look into various financial institutions, including community banks, credit unions, and online lenders, which may have different criteria or offer programs for investors.Since portfolio lenders retain their loans in their own portfolios rather than selling them on the secondary market, they are able to provide greater flexibility.