I would talk to a number of residential, private, and commercial lenders.

If your property is residential single-family owner-occupied in a good area, the buyer has good credit, made a good down payment, and twelve or more on-time payments have been made, you'll be in the lower range.Note buyers, just like lenders, won't go above a certain loan-to-value (LTV) ratio.

Although we do have our own money in every project we do, we rely heavily on our network of Private Lender's.

Lender does not look at your income, just your FICO and they want to see rental income.

Lenders want to see two years of stable income before they loan money to you.

There is no point refinancing the almost paid off property to buy another-just get a mortgage on the new property.hard money lenders are going to charge you a higher interest rate.

@Geoff Engel If you don't want to be a landlord but still want to be involved with investing you could be a private money lender for flips or in partnerships and bring the money to the deal.

Where can I find a list of hard money lenders

Maybe they are offering financing because no traditional lender will lend on the building. 

THe lender is a credit union and it is a conventional low rate loan.