I have had really good luck with Utah community credit union.

I'm told I should be looking at credit unions.

After working with Navy federal credit union, I was able to get approved for ~600k(1-2 unit SFR), 30yr foxed,4.5%interest, 0%down, and 2.2% VA funding fee which is wrapped into the loan. 

However, I know of some hard money lenders that will provide a line of credit after 2-3 successful deals.

During that time I’d also have the line of credit to pull on for repairs/vacancy/maintenance, and I’d have that line already established for my next investment.The second option is to put traditional mortgages on them in 6 months once the sale seasons.

Local banks will work with you if you have stellar credit and a good track record.

I am the real estate agent and we used James Hirbour from Jeanne D'Arc Credit Union for the mortgage and had a great experience.

You just need to learn to minimize the risk of it happening, and minimize the damage once you recognize its happening.

We actually couldn't get at certain areas to assess the actual damage done by the wisteria that hadn't been pruned in at least 4 years but it was getting behind trim and under the roof shingles up high as an example.

@Carolyn Brown You might want to look into smaller Credit Unions also.