I have a XXXX eligible investment property loan thru Wells Fargo. 3 years ago I tried to refinance using XXXX. After 3 months of documentation gathering, they told me I could not refi because I had more than XXXX rental properties. They said it was their " internal '' requirement, not XXXX of XXXX. I just started the process with them again because they said they now waived that requirement. I was eligible in every way except I want my ex-husband 's name off the mortgage because he would not help me refinance it. I was successful getting this done thru XXXX refi on XXXX other properties 3 years ago. Now Wells Fargo says they ca n't because all of my rent money was being deposited into a bank account that had my name and my property management name on the account. They said that is not considered " personal '' funds and I have to show I made the mortgage payment with my " personal '' funds for the last 12 months. I was pretty sure last time I just had to show that my ex-husband 's name was not on the bank account but they said no, that was not the XXXX guidelines. I am paying them 7.25 % interest on the loan. I think they just want to keep getting the higher interest. Can you help? Can you clarify " personal '' funds for the purpose or removing XXXX person 's name from the loan when refinancing? 
