I will provide them a recent bank statement showing a balance greater than $300,000 and offer to pay a year of HOA fees in advance, and I will offer to have a third party investigator do a background check on me to prove that I do not have a criminal record, given that I am paying cash there is no logical legal reason why they should refuse my application, but this application process may have little to with the law.

Other than the above suggestion to find a credit partner to do a conventional refi, it looks like it will be tough to get the property to cashflow, so instead of accessing equity via refi (and making your cashflow worse), why not access it by selling?

Unfortunately, that can make it very tough.

Winter tends to be lowest in activity.Doing rehabs during the winter in this area can be tough especially if your property doesn't have heat.

Perhaps through learning more I will learn more creative approaches to finance that will help but it is a tough sled out here if you don't have a lot of capital.Ro

Negative cash flow is tough.

We can evict "for cause" too, but that requires proving the cause in court.  

Tough call on this one.

Tough area out here for buy and holds.

,I think 1.4 is going to be tough to get.