Richard,
I am a lender and also the lender sponsor for the DFW REI Club. I know my guidelines and we don't have any weird "over lays" that other companies may have. I can get you your money back up to 75% of whatever the house appraises for.
If you want to give me a call tomorrow on Monday, call me at 214.893.8953 I can work on getting that taken care of now. My rates are ALWAYS competitive, and you also get the benefit of somebody who specializes and knows the investment property guidelines so you don't get lost along the way.
Cheers,
Brian Morrison
NMLS#270396