Hi @Jim Viens Here's a sample Private Money Request Sheet that I have put together which summarizes the project's financial requirements, loan amount, and lender's projected investment results.  

Private & Hard Money Lenders will lend to an LLC.  

This was actually a response to a request for comments to model legislation by the Conference of State Bank Supervisors which is not a government agency but a private national organization of state bank supervisors (read regulators).

After that you can do seller financing, private party loans, portfolio loans, commercial financing.  

The property is on private sewer, which I assume means a septic system.The tenants pays electric (all electric units), and owner pays water & trash.

Like you mentioned above, get another loan, find a partner, get private lending.  

Professional private money lenders don't lend on owner occupied properties.

Shoot me a private message if you want to talk more at length.

Find a private investor willing to lend you cash.

Why would you not use hard money or private money if you could do more deals and thus make more money.