Some banks adapted.

I hope you enjoyed your trip to Windsor @Dominic Battaglia !

Joel the LLC is not an impediment to bank or DSCR refinancing.

The struggle comes when you plan to sell, pay close attention to how the bank would treat the loan in the event you would sell.Even though its a bit more work, banks are typically open to these loans as it provides them with additional collateral in the event of default.  

Secondly how does a bank look at it?

Hey Aaron, have you considered a commercial mortgage from a local bank like First National or Bangor Savings Bank? 

You’ll likely find a strategy that aligns with your goals and lifestyle.Since you’ve been enjoying the BiggerPockets Money podcast, I’d also recommend checking out the Real Estate Rookie podcast—it’s great for diving into beginner-friendly strategies and learning from others who’ve been in your shoes.Feel free to reach out if you want to chat more or bounce around ideas.

if you have an LLC and both properties are under it, you just need 1 operating account.If both are under your personal, 1 bank account specifically for the rental is enough for operating.Security Deposits should always be a separate account altogether.

It takes a lot of phone calls and asking around, but you can normally find a local or regional bank that is willing to work with investors on these types of properties.Mike

enjoy!