I currently am a truck driver for the oil fields here in Pennsylvania and make on avg 4000 take home per month and my monthly expenses are 1300 for bills not including food and other expenses for children and personal.

The bank is saying they want to wait and see if you are a good driver over time before increasing the speed.

When I started private practice two years ago, I finally decided it was time to educate myself in financial matters, and boy, was it an eye-opening experience.  

One thought would be to send letters to other close by owners (the F&C types) and see if 1) they would lend at 50% of value or 2) if they know lenders (private or otherwise) in the area that would lend.

We have not yet funded the LLC, and were waiting to do so from our private investor and hard money lender once the deal was locked in.Our hard money lender is willing to give us a proof of funds, but wants to see the first page of the contract. 

the utility will not even tell me whose name it is in that is "private information" so i have no earthly way of knowing where they are on their bills.

They do private lending.

It's the hoop jumping with regular banks that's got,me thinking short term money with HMLs until I can find true private money.Do you think HMLs would collateralize my house?

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Bought with a private loan from my dad.