@Craig GarrowWe belong to a credit union in Michigan that gives us 2.8% on amounts up to 15k in their checking account.

Just find a local bank or credit union that does portfolio loans.

I know investors that use payrent, paynearme, paylease, payyourrent, western union, walmart...Take your pick.

It sounds like others have covered quite a bit, but I would suggest walking in and talking to any regional/local Banks or Credit Unions.

@Bryce Ewing keep us posted.. check out a credit union... go talk to a banker and find out what the banks concerns would be.  

If you have the time and good credit to go thru a bank or local credit union, you will save some money.  

Suggest you contact some local lenders, not the big banks, but the smaller local ones like Credit Unions or ones that have a limited number of branches in your area.

He has a union job for the past two years making well above the 3x rent, has two credit accounts (both opened since ch 7 discharged) that are paid on time, has credit score of 600.  

I could only imagine how much of a nightmare the permit process is in Chicago; I would think Unions further complicate that.  

There are properties I did not transfer though because I was afraid the lender (a credit union) would be a stickler and/or I could not afford to remedy the situation if they demanded payment in full.So, you just need to understand that while it is indeed common practice, and rarely has had negative consequences, it certainly could and you should be prepared to deal with that.