I was looking for partners in my network who wanted to JV on this property, but they wanted to know for certain that the title was clear since it was through a wholesaler and not "traditionally" through a realtor.   

Is there a reason why you are set on a traditional duplex? 

There are a few banks in HK that are also located here in the states.

This is already going on in banking.

I've done it multiple times on primary residence and was just able to do it on an investment with a local CT bank. 

At this point, I would recommend having a line of credit to cover these things so you don't have money sitting in the bank doing nothing when it could be put to work.I have 33 units, no debt except for mortgages, and excellent income.

Many banks limit personal loan amounts.

I then suggest setting up a bank account where there is auto pay.

When I read the bank would accept 91k I understood that to mean that was the 30 day payoff amount on the mortgage.  

Would this be better to try and go through a local bank or is there good options for private money or other banks that specialize in this?