Lenders use 60% of the dollar amount in a stock or brokerage account to qualify or you have to prove you liquidate it at closing via wire to the title company4.

I have $42k in cash, another $15-21k in easily liquidated accounts, an income of $2400 a week (potentially more)  before taxes and an 810 credit score.

PFS - Personal financial statement:  most lenders will want to see that you or your sponsors have assets equal to to the value of the loan, with %10 of that being liquid assets. 2 SREO- a schedule of real estate owned:lenders want to see that you or your sponsors have experience with Real estate and will ask for some info about your current portfolio3.

What's your current liquidity?

@Steven Keung...try reaching out to the smaller and  mid size  credit union / banks headquartered near your opertations  .....a more important angle to  consider in trying to  forge a bank / lender  relationship is using your liquid assets  as the " leverage "  .......eg.   

Hey Ryan, As an investor/agent im encouraging clients to liquidate what they have, stack the reserves and prepare for buying opportunities this winter.

The lender is looking at us as being not liquid enough, but without refinancing the two properties, they are right. 

I don’t see how it’s apples to apples comparing the largest economy in the world with the world reserve currency and huge liquidity to a very very very illiquid collectible car market.

If you end up having a broken pipe, need a roof, have electrical issues, etc. it could easily eat up 2 to 3 years of expected income, so I'd definitely do my best to maintain some liquidity for a rainy day.Best wishes!

Then once lead abatement was pushed hard in Ohio, we began to liquidate our rentals while flipping homes along the way.