If you can find a vacant lot the bank includes the land cost into the loan so you save money in the long run. 

Hi Nolan - Have you explored DSCR loans?

@Nancy MillsMake sure you have the person also sign a personal guarantee on the loan --- that's pretty normal. 

   =)  there were rehab loans available for a while for 0% interest, which was cool... but there was a cap on the number of properties you could own and be eligible for, which i was above.so we need some kind of catalyst or incentive. 

However we have been having trouble finding a lender that is willing to allow us to get the full 80 percent loan to value in a refinance.

I am seeing some delinquencies that show foreclosure, but the numbers don't make sense unless there is some sort of ground rent or non-mortgage loan tied up with the properties.

Also, you may want to consider finding a home with an assumable loan if you haven't already purchased. 

For example, years ago I refi'ed 3 loans into 2 --- so one property became free and clear. 

Short answer: No.It is very unwise to use credit cards, hard money lenders, or other high-interest loans unless you have the means to pay them off quickly.

There are other products in the non-QM space as well: bank statement loans, P&L loans, asset based loans, etc.