Especially one pitching their own products.

But again with some minor modification to your business model you can establish those properties as ones you intend to hold for productive use which would then qualify them.  

I broker my HELOCs to TCF bank specifically because they will accept Fannie and Freddie's standard methods of calculating DTI (which your local credit union obviously is not) instead of re-inventing the wheel, with the only deviation being that they will calculate their own debt obligation more conservatively (which makes sense given that it's an interest only product in 2nd lien position). 

do you have any products for lower FMV's?

Have you guys been to the meetups and are they productive?

Where there is a need for a service or product, rest assured someone has a solution.  

I don't dissect their portfolios but with some of the recent extreme weather, turning attention to those markets that have had those types of events, which also means tapping into insurance claims to re-build, is a way to deploy product that has a higher rate of absorption.

They are a portfolio lender with investment products tailored for flips, rentals, etc. 

The standard is that you have held the property for productive use in business, trade, or for investment.  

Check out The Productivity App That'll Change How You Run Your Real Estate Business by Nathan Brown.