Many community banks will give you credit for proforma rents.  

@Zach Denny  Similar to what Minna posted above, I have done with a local portfolio lender bank where they set their own lending rules. 

I wear a few hats as a realtor, property manager, STR host and project manager so if you'd like to chat about any or all of those services, I'd be glad to schedule a call!

You may have to put more money down (10-15%), but you can close, in a LLC, with no worries about banks.

If you manage to get this off the ground and do some verified - meaning paperwork is in your name, or company's name, etc - projects that turn a profit, and you build some capital in a bank, you should be able to go right to that lender after a year or two and start a relationship no problem.  

During the entirety of 2021, I hosted monthly meetups in Fairview Heights, IL (just outsde of Belleville) that brought in real estate investors from the metro east.

if so what bank? 

Nomad also held the renter's deposit hostage even after I cleared the transfer with no damages to be charged.I had to remind Nomad there is a difference between “can” and should” , while you “can” hold a deposit longer it “should” only be done when there is a question about damages.My bank liked the guarantee, the disorganization inside Nomad and the horrible vendor management would cause me not to use them again.

Most banks I work with require anyone with over 20% ownership to guarantee the debt but have seen as low as 10%.

We also have a bank account at a smaller Chicago community bank, but there technology isn't as good to be honest.I think @Jonathan Greene's main point is don't step over dollars to pick up pennies.