@Jason Maestas I know of at least 1 private wholesale non-prime lender that does an investor cash flow program to solve this problem. 

Closing with cash is definitely the way to go even if it doesn't leverage a reduced price.talk to the lender before you buy so you understand their closing requirements. everyone has different programs so asking the forums won't be very helpful. 6 months is an average seasoning period but you may be able to close sooner. you'll need to know how they set the loan value and other details.

Most any mortgage banker or broker you know should have access to this program.

But I already use it for most of my personal expenses.I was looking for a new card that I would use exclusively for RE business, that still has decent benefits/points program.

You should change from being a consumer toward being an entrepreneur.You may even consider at some point paying for some mentoring or other training program.

I hate to admit it, I was one of the ones who bought into their program.  

Generally fractured ownership causes problems, but with 100% owned by one party you should be able to get an investment loan under the 1-4 family Fannie Mae program.

I'm building a new 40 room, limited service hotel in my hometown (cost of $4 million) and I stumbled upon the CMBS program.  

“We use one program that can be expensive and we use it on insurance rehabs.

It's a great program and I advise all Mass. residence to take advantage of this great program.