This may make you a candidate for hard money financing, since most hard money lenders typically don’t worry about credit or income, but more about the property itself that is being used as collateral for the loan.

im looking into other ways to purchase more rental property...ive bought rehabbed and rented 3 three families this year...one property i have has $75K...it was just appraised at $260K and i owe $185Kis this enough to cross collaterize?...

Of course there likely is no equity above and beyond the Wells Fargo loan, so it merely become an abandoned asset pending Wells ultimate decision to force liquidation of the collateral, which is all foreclosure really is. 

I currently use a small bank and they have been good, but they only will cross-collateralize the 2 properties that have a combined equity exceeding 100k.

Thousands of businesses are funded with this approach each year, so it's pretty popular.Two pluses:(1) The C-Corp can potentially borrow, using the assets that were transferred to the C-Corp from the 401k as collateral, and with your mother and/or yourself providing a personal guaranty.(2) Your C-Corp won't incur the punitive UBIT tax that your SDIRA or SD401k would face engaging in an active business such as flipping.A negative with any C-Corp is the potential for double taxation, but there are several ways to minimize this.

I have no self directed IRA or collateral.

Can I get a conventional loan and use my property as collateral?

FICO scores and Collateral will be looked at. 60-80% LTV Rates Run With Standard Rates (sometimes better)

Try borrowing say $1,000 for 12 months ( even if it is a secured loan -you put down $1,000 in an account with them as a collateral).

I'm ready to start leveraging to scale and was considering financing all or several of them, but have started looking into just doing a business line of credit using all my curent properties as collateral.