We had agreed on a price and I had already gotten pre approval for a loan amount that exceeds the sale price but when the bank found out it was a half plex they denied my loan.

Due to impact of HARVEY in Texas, my mortgage bank is offering "Forbearance Plan" for 3 months.

Rates are low now and private lenders are getting less than 1% in the bank.  

Sounds easy enough but the bank doesn't want to play along since this is now an investment property.  

I called several banks to see if I could refinance shortly after purchasing but banks are telling me that they will only give me 80% of what I paid for it, not what it would appraise for.

There are "piggyback" 80-10-10 loans where you out 10% down, the first lien mortgage is for 80% then the same bank will do a second lien home equity loan at the same time at a slightly higher interest rate.

Typically quality concrete won't fail due to the use by one or two tenants who stay for a few years each. 

Thats why I wanted to get information on any UK investors that have had success or failed.

So a few years ago I implemented a fail safe system that guarantees my time is never wasted.I shoot a detailed video of each of my homes inside and out.  

Go to your local rent court proceedings for eviction - you surely will find some referrals thereAsk the tenant to manage themselves - they can call for maintenance - and deposit their rent check into your account at the bank when due - give them deposit slipsTrain someone to do the things you don't want to do - pay them a percentage of the rent - there are lots of folks who would love to do this for youManagement takes a big bit out of your profits - be smart save the bucks - do it yourself - it ain't that hard.