@Eric A. and @Hubert H Byron III - I use a regular battery operated Kwickset #913 style lock on my SFH rental properties (all LTRs). 

You can still do asset-based financing (examples include hard money and private loans) if you can't secure traditional financing.

You can either find private money from family and friends, or you can go after other private money or hard money.

Is this a private money loan?

It's a bit more cost effective to get to a hybrid of both styles.

They stay in control of their loans and you win loyal investors/private lenders.

I am hoping to find a bank that does portfolio lending and offers better terms through its private banking wing.Any recommendations would be well received.I found one lender that through its private banking wing offered 100% LTV interest only cashout-refinance at 4.125%, but I must pledge securities in the amount equal to cash out proceeds beyond 80% LTV. 

One User Emily G said she was a private lender to these guys and they defaulted. 

Also depends what kind of style you are looking for.

A private lender and I are going 50/50 on a down payment, I have cash & my private money partner is using HELOC funds and I am wondering how we can legally go about using our cash ASAP without a 2 month seasoning of funds.