Try Rayne Bank, Sunset Bank, & St.

That is a great way to get your ARV up when the bank orders an appraisal.

(don't want it either)What can I expect from a local bank? 

We got a local bank to finance it with 30% down and a 20-year note.

So Mark do you do a lot with life insurance & infinite banking?

So I believe REO is already owned by bank so are those properties free of liens? 

Not wanting to go down too low and banking on the fact that the husband believes in the saying "happy wife, happy life" I countered with 150k and luckily, they accepted.

That's especially true if the underlying mortgage is from a large bank (say $250 billion-plus in assets).  

Do you know of any banks that offer checkbook HELOCs that don't require withdrawals, have low annual fees, and have no restrictions around how many financed rental properties are in your name?

You and your new wife should move into the in-law suite for a year or so and rent out the larger portion to save more money.As for other methods other methods to get started there are loan sharks, rob a bank, sell drugs.