I have excellent credit, no debt other than mortgages, properties with great cashflow and equity, and i still continuously struggle with lenders. 

It’s better to pass on a deal then to buy a bad one.  

We actually go a step further and will ask to see the applicants current residence, you will quickly vet out any bad applicants when this comes around.

There is always the Heloc path but those can gett you into trouble and have restrictions like shoter amortization, Prepayment penalties, interest only, (Can create bad habits of low payments) which causes a standstill balance. 

However, with continued growth in population and new jobs, forecasts indicate that 2024 will still be higher than the 10-year average for residential construction, a study from the City’s Long-Range Planning Division reveals.Photo credit: GTEC/Marty SellersThe 2023 Huntsville Development Review showed the city’s population is continuing to grow even as the real estate market for single-family homes moderates.

I have been reading Long Distance Real Estate Investing - David Greene, and came across an interesting tidbit of information: Your first 10 (1-4, 5-10) property loans are Fanny Mae insured, after which your loan criteria become more unfavorable (variable rates, stricter credit score requirements etc.).

@Paul Merriwether I feel you, you bought a bad deal and you had to get out.

There are some good areas and some bad areas. 

Get as many deals across your desk as possible so you can move past the bad ones to get to the good ones.

But, assuming good credit your rate likely would be 8.%-8.25% but you would have to pay 2-3 points. and you would have mortgage insurance.