It sounds like you’re dealing with a speciality product, but localBanks or credit unions tend to keep their loans on their books and may be willing to get more creative.

And like others mentioned, take the time to get a quote from credit unions.

I already have 4 loans and finances are in pretty good shape with good credit score above 750and am in Atlanta, Georgia.

I closed in just under 3 weeks and the rate and points where one of the lowest during all my shopping around.

The smaller banks/credit unions in Fort Worth do not seem to be willing to refinance investment properties - Colonial said that they would, but they want me to have less than 4 investment mortgages and I've got 5... 

The last time I looked at the issue, the 30% federal solar tax credit was only available for personal residences (not investments/rentals).

Are their any special tax credits I should be using or looking into?

Will they require you to have a certain credit score?

What’s your credit score?

I'm doing a few things in my personal finances to clean up a costly divorce I paid for with a second mortgage and credit cards (0% promos).