Do you know of any banks that will do that before the 6 month mark?

You should be able to turn the  free cash and deferred tax into $60 - $80K net of all expenses annually without banking on the back end and still getting depreciation the rest of the way.  3.

You can get an FHA loan for 3.5% down for a 1-4 unit property for example while with an investment property you usually need 20% down for a bank loan .

The free service, for landlords with two or less properties, tracks expenses, profit/loss, etc. of your rental properties ($50 fee if greater than two) but it requires linking accounts in order to automatically track and categorize expenses for you.I’m always uneasy when a website requires linking bank accounts.

The other option is to do a non agency product, such 12 months average bank deposits or asset depletion or DSC (debt service concerage) where 90% of the rent covers your total monthly payment 

Let me do the math and explain what I could have done different.Let's say I bought a property for $150,000 that had a After Repair Value of $200,000 (keeping Numbers Simple). 

Well, if you accumalate a whole  bunch  of non accredited investors and raise the funds, you can do what you want with out the bank.

Can you explain how this would work and help building up your portfolio in the long run?

Make sure it explicitly explains the process for termination if you are unhappy with their services, but especially if they violate the terms of your agreement.3.

Just cover your butt. ps: a lot of marijuana businesses deal with cash as banks refuse to open accounts for them.