How much loan to ask the lender for ???

[Patrick Thomas Dickinson]

I will purchasing a multifamily investment property hopefully within the next 6 months. My DTI is extremely low ( under 5 % ) I have a feeling based on my income and minimal debt that the bank would lend me upwards of a 750,000 $ or more. I have the 25% down payment and cash reserves as well. My question to bigger pockets folks is do I just ask for the highest amount that I think they will lend me. I would like to be more spot on when giving them a purchase price. Meaning I would like to ask for the most I can get. How could I crunch this number myself? Logic to me says ask for the highest amount possible so that I will at least know what I am able to obtain in lending for this transaction as well as other future deals. In previous lending transactions I have had in the past, it seems like you just throw out an arbitrary number and the bank says yes or no , but the real answer I want to know is what's the most you'll give me and not push me over the conventional lending guidelines. I know the underwriters just plug your financial numbers into a computer which probably says yes or no. Is it me or does it seem like lenders don't want to give you your max loan amount. Any lender folks or anyone have any insight on this.