Before racing to call an attorney or putting your congress representatives on speed-dial, you might want to consider some other options. Although many conventional (and some commercial) lenders might not want to deal with you, you do have other options. I have a relationship with some private lenders (and other investors) who might be willing to work with you.
Additionally, you might consider attending several of the REI club meetings in your area. It's possible that one of the other investors there might be willing to work with you. You might consider equity partnering and/or syndicating with another investor.
Furthermore, another option might be for you to use some of your other assets as cross-collateral, or you could borrow against the cash-flow (or some inventory). And the list goes on. . . .
I'm an investor who specializes in commercial real-estate. Please feel free to contact me.... more