We aren't a bank, so we look at the property and credit.  

Too often I have seen the true cost blurred by tax credit and other financial perks.

I have 20+ sF D, C and B propertiesI own several of these properties in my name, some in a LLC , some that I purchased with credit card debt and some that I own free and clear with no associated debt. 

@Len Roche my first loan was with Wells Fargo (back in 2009) then I talked to my brother-in-law about a loan he had on his investment property with American Airlines Credit Union.

And as a side benefit...I feel that once you put a name to a face and have the personal interaction, they might be more open to working with you (even if it's not intentional).

A lot of money for the benefits.    

A personal guarantee of the retirement account owner for debt taken on by the account is an "extension of credit" and is a prohibited transaction.Real estate debt financing within an IRA will result in UDFI, which will be taxable income to the IRA.

@julius dixon (HELOC) Home Equity Line of Credit.

I can probably use about 60k of that as a HELOC (home equity line of credit).  

Small bank or credit union that is portfolio lender is your best bet.