You are following the big banks model but doing it more carefully and lending to borrowers who can't go to the bank. 

You’re right—traditional loans are tough when you’re newly self-employed, so DSCR and bank statement loans can definitely be good options to look into since they focus more on property income or cash flow instead of your personal income history.

~ What is available outside of traditional banks? 

I'm looking for recommendations for a good local real estate attorney, a CPA, and/or a local bank that is good to work with on real estate.

I just finished an online course on multifamily real estate through Michael Banks Investing.

Are they independently wealthy and never intend to have a job or a bank account or pay taxes or apply for benefits?

It sounds like the bank is operating as the successor trustee.

I like local banks/CUs that support my community. 

This one I did a while back. So, if you are new: I was approached by an Investor who wanted to get into the game by learning Subject To. That is best done by doing a Joint Venture on the first couple of properties. He...

Here’s how I think about it across markets:Local banks/credit unions: great for speed, appraisals that reflect the neighborhood, and flexibility when you have a relationship.