@Tom Donnelly, call access bank in Omaha.  

I mean there is money in the bank but we're putting it all towards debt at the moment.

we have been selling the assets and moving to notes as we go into our retirement years.. much less risk / if done right.. and no where near the drama of having your PM call you or your tenant.. let others do all the heavy lifting there is a reason that banks are so well off these days.. be the bank .let others do the hard work  :)

The investors that make a living fixing and flipping and/or building a rental portfolio are those that usually get the leads directly from the seller themselves, a bank contact, a real estate agent, or an attorney. 

The problem is I don’t have 2 years of tax returns as my own employer and I do my best to use all of the tax write offs I am allowed so no traditional bank will touch me until I have 2 years of tax returns.

I have in my collections several original titles and a S&L bank statements, Back then you go to the lender pay mortgage and it shows the balance and interest charged, You use the booklet to report your taxes. 

Going to check out an investor brokerage this Saturday who hosts's ARV practice evals a few times a month.

I don't see why not, as long as the bank doesn't have a minimum loan value. 

(Looks like banks only give a construction loan if land is fully owned). 

I wanted to know if anyone knows of a good bank that has a higher LTV than 80% that you could recommend that I talk to.