But I have seen groups with the acquisitions and capital structure being one person and asset management another; groups where capital structure is one, and acquisitions and asset management is the other person; groups where there are three partners, each taking one of those roles, etc.

One of these items is property management. 

However, I have been on the hunt for local credit unions who complete cash out refinances, and all the ones I have talked with only offer home equity loans.

I've seen some, hired some, but at least the ones I've seen/hired were specific to their local market.I've never looked for a broader, nationwide one, but I'm sure they're out there. 

I talked the seller down to $109,000.00 and financed this one with a bank also.

@Jeff Langley sounds like you’re pretty happy with your DSCR lenders….which ones have you used?

Our current income sources are:W2 JobFreelanceSingle Family Home Rental (just one)We have been renting out our single-family home for about 2 years, generating $300 / month in cash flow.

However, they don't have a credit history and mentioned they use cash for transactions, offering to pay one year's rent upfront in cash.

Shaking hands across a desk is great, but so many CPAs are set up to serve you virtually, that finding one who is a perfect match for you may be easier than you think.Best of luck to you.

Any tenant that continues to reside in one unit for more than 12 months with or without a new or lease is protected under the law.