@Greg Gerken Talk to a bank about a bridge loan.  

So if I get let's say 20 properties, and I'm managing them under some online software system, doing the accounting through quickbooks, should I keep separate bank accounts for each property? 

I found a bank owned 28 Unit in OH.

there are not any lenders that will provide a HELOC on this scenario ….try  contact the present lender / servicer  for options on the current loan …….you might also contact you bank to see if they can provide an unsecured consumer type loan that  is better than what you are paying now

Will a Bank help me fund my first deal without any money ?

So far i've checked with multiple banks and credit unions and found nothing. 

@Nick Cockrell You are borrowing 80%  from the bank right. 

If your tenants have bank accounts and a smartphone, but have them pay you via Google Pay, Venmo, Apple, or straight out of their bank account into yours. 

Or do I need to knock on the door of smaller local banks?

We've seen this in several small jurisdictions in the Houston area so it will vary by jurisdiction.