I would imagine they'll want to see some financial docs/bank statements.

I asked the bank if they could do in-house financing and they said YES, and could do a portfolio loan. 

My goal at my current company is to never leave until retirement time(our retirement is different and much better than your normal one) I enjoy what I do, and plan to expand my knowledge to make a difference within.On the flip side, I don’t want to save money just to watch my bank account grow slowly...

@Michael J Martinez  I think your smartest bet would be to talk to a couple banks about a HELOC and about a new mortgage.

Local banks should understand and it shouldn't be an issue. 

These properties probably need a large amount of work.Looks like they're buying them from banks too so they could be short sale deals as well.

When I am seeking lenders that hold their own paper I (1) go to the local REIA and find out who partners and lends privately, but that will take some time building relationships (2) go to smaller more localized banks, not mortgage lenders or brokers as they by definition are selling their loans.I have also found that if you go to banks in smaller markets outside of the metro, where there is only one or two offices that you often deal directly with the bank president and can make some great loans and connections.And I just posted this on another question - but go to local REIA meetings, meetups and the like, talk to people, vendors and build relationships and you will be able to get some great referrals - just like here at BP, only live and face to face - I think there is even a live BP meeting in Waldo this week? 

I just purchased a condo and I bank financed it as a "second" home. 

And I don't want to bank on appreciation.

I've told the story on here a few times about not getting a loan from a specific bank, began working with a loan officer and she ends up getting me a loan (at a good rate) with the very same bank that was previously unwilling to give me a loan.