One solution, would be to look at condo units where others in the same community have recently closed with financing.A second solution would be to switch lenders to a local lender that does more condo unit financing.

This issue is still being resolved I believe.A L/O that is with an occupant and where rental credits are applied is a financing agreement, you need to follow Dodd-Frank and Predatory Lender Laws with consumers (your tenants). 

After that it's friends of friends and family.So if it's a good deal, then you can pitch a hard money lender. 

Their net worth are in the several millions, own several hotels and also sold many hotels yet they still got rejected.

I have money, currently invested in the stock market, that I would like to use as a private money lender with experienced RE investors.

No, lenders will want their position secured and with no equity there is no place to be secured. 

Has anyone had any experience with lenders that will still do HELOCS for short times on deed or does that matter?

Then what would the contract/term look like with the private lender for the 20% down?

They seemed like nice people but I ended up rejecting them.

That aside, if I were, then I'd likely either go out of state as a lender which is more passive or as a partner in a private placement (syndications, etc.) whereby if the general partner makes more money it means that I'm making more money too ...