Would the bank consider me a risky lender even if I have a great credit score?

I'm curious as to what issues I should be considering when dealing with these properties or with certain banks or even non bank owned properties?

@Anthony White I think a portfolio loan with a local bank would probably be a good idea.

most of your small commercial banks in town will take a stab at it.. if you have deposit relationships with them that are meaningfulPremierlewis and clarkM and Tpacific continentalbannerthen you have the credit unions.

I did some real-estate work in NY for banking clients and I was shocked by how different the law and customs were between the two states.CPAs have it a bit easier since they mainly focus on Federal Taxes (which is uniform).

Being the sole heir I was able to refinance with plenty of patience from the bank.

I have been trying to live on very little of it and banking as much as possible to put into more properties.

I've called about 200 banks in the DFW area and I have found 4 that would do a HELOC on an investment property. 

3- We plan on going to a bank to help finance the property.

There are also areas of the country you can bank on appreciation and rent growth even if you do no improvements and the property isn't distressed.