And the rub is I do not even need to withdraw funds from my SEP IRA because I already have enough in my bank account to show them. 

I was hoping to hear from the host who invested there and why but nothing yet.

Then your best bet are probably community banks which have more flexibility (albeit worse terms) than larger banks and also worth looking into are DSCR lenders.

I am definitely hosting at least 1 open house every weekend and that is actually how I found my first clients!

Our community is actively identifying and investing in off-market deals, sharing the cost of virtual assistants and direct mail, sponsoring deals, investing our own capital, and having multiple group calls and webinars every week with institutional analysts, real estate and SEC attorneys, regional banks, private lenders, and other experts specifically to discuss and analyze deals within the community.

It took me 13 months to open a bank account in Belize.  

Shop around for debt to see what is available and model the various structures to see how the different terms impact performance.The tradeoffs will be fixed vs. floating rate, conventional vs bridge vs CMBS vs bank vs agency. 

If you're getting paid cash for rent get rid of it as fast as you can this way without making needless trips to the bank. 

So when the bank requires insurance for the loan amount.. that will work generally.. 

Someone with $10M in the bank in cash just needs to put a lot of money to work and time value and tax write off is more interesting to them than a hungry investor in their 20s that has never found a deal.Honestly, books are great, but they are about as "boiler plate" as you can get as I'm sure you're discovering.