Hey BP Community, I have two single family homes in Akron OH. One purchased in cash late October, rehab will be complete this week. The second SFH I closed on today with cash. This second one is more turn key; it needs some cosmetic work and should be rent ready in 1-2 weeks.

I live in NY state and have had a challenging time finding a loan for both these properties. First, because the loan will be small $80-$100K per property depending on the appraisals. Second, because I'm out of state. 

I've called about 10 local banks and credit unions in Akron and the surrounding area, none of them will work with a local investor. I'm working with a broker who has exhausted all of his resources and said I need to wait until I acquire a few more units and refinance them in a larger bundle loan. Another broker I found can make the refinance work, but at an 8% interest rate, 5, 7 or 10 year arm but with 4 points in fees. A final lender can get me 30 year fixed at prime rates, but this would require a 6 month seasoning period.

I'm looking for a commercial loan, so that I can pull my cash out asap and purchase my next property. Is it unrealistic to think I can find a commercial loan that would bundle these two assets in the 6.5-7% range with fees under 3 points? Also, I would like to refinance as soon as possible because there are a few comps in my neighborhood that are 3-6 months old.  The longer I wait, the more vulnerable the deal is if prices drop in the coming months and my comps weaken. 
If anyone has any resources or recommendations please let me know. 

Thank you!

Jeff