How to measure a cooperative attitude is a great question - I'm sure there's room for improvement in this area but at this point, we measure based on the following factors; ability to follow simple directions in the pre-screening form; providing requested information in a complete fashion; responsiveness to phone/text/email; communication abilities (providing more info than just yes/no answers, being forthcoming with relevant information and us not feeling like we're trying to draw water from a stone). 

Each draw is a few weeks apart as construction progresses slowly.

@Prab C.We always involve our realtor/property manager since they are who we go to to draw comps and rental analysis.

Looking for ways to draw on the $3M of equity but having a tough time getting an equity line of credit loan as it is considered a special use property.

At this point, we plan to speak with a real estate lawyer to draw up a contract and submit to my parents. 

How do you handle draw requests?

Then the husbands parents came up with $4500 for some of the city tax/water arrears & subsequently advanced us 4 months of payments & escrow.

Subsequently, I was able to find other brokers and programs that were offered to non US citizens.They typically offer ARMS (5/1, 7/1) and 30 yr fixed but the rates ofcourse are higher than those afforded to US citizens and the documentation process is very onerous and can delay the closing process on a property. 

You can 100% use borrowed funds for rental property down payments (people do it all the time with HELOCs), it must simply be secured borrowed funds, not a credit card or credit card equivalent (that's the difference between a HELOC and a credit card, and it remains true if your HELOC bank gives you a card with the Visa logo on it that draws on the HELOC). 

We were successfully able to get the primary lender to apply the insurance proceeds to the total payoff and negotiated 3 subsequent liens down a significant amount in order to make the numbers work.