Hey @Ana Mills, this ultimately depends on what your current portfolio looks like, your entity structure, and your plans to scale or not.If you have a few STRs and no plans to grow, it's beneficial to have separate bank accounts and credit cards for each property.If you plan to scale to 10+ properties and hold each property within it's own entity, maybe just a checking account per entity and keep some credit cards at the holding company level. 

If you are in UNY, you can see if you can get a commercial loan through M & T Bank. 

Local bank.

Purchasing a land lot and then using the paid off lot to secure a construction loan from a bank could also be a viable option rather than fixer upper or turnkey.

I think if you realistically have enough deal flow of good properties, flipping is a faster way to a huge bank account, since a good flip should be between 30-50% return on investment every 4-6 months, if you are doing it all cash.  

I sent  a screenshot of our IGMS calendar and sent bank account statements.

you need to talk to your bank and lender about a lot split.

Should I check into local smaller banks here or Credit Unions? 

How much money do you have in the bank? 

@Rene Brodowsky appraisers, like most workers, will take the path of least resistance if allowed.Appears they are using an AI system to valuate your home.As suggested already, you may want to request an actual appraisal, which you will have to pay for, and send your own comparables to Huntington Bank to try to guide the appraiser.Otherwise, you may need to try a different lender.