Bank came back and said we maxed out our DTI so they only give us 115 grand  and not the whole 250g.

I did not care about the interest rate much because I am thinking banking is like a leech sucking up your hard earn money.

Can you recommend any investor friendly banks in the area for mortgage and quick refi? 

I’ve been working with a bank’s agent over the past three months on a single-family home listing in my area.

Banks typically require 30% down minimum on condo-tels, many banks won't even lend on them (again, not sure about your market). 

Banks even today are 7 to 8 I only use banks.

Bank/conventional lender.

You have a good amount to plunk into a strong multifamily property in Northern New Jersey, but you will be banking on appreciation more than cash flow.

@Jay Hinrichs  I think that assumes the banks will lower the fees.   

I would suggest you talk to a mortgage broker or a bank though - if those homes are zoned commercial you will probably have a hard time getting an FHA or low down Conventional mortgage.