Or is there something else that I am missing? 

@Eric Smith, It really doesn't matter who you are selling your property to - unrelated or related party. 

If the loan amount you are looking for is small relative to the value of the first and the second property combined, they are very well secured on a LTV%; ask for a 1% point lower rate.If you don't want to Cross Collateralize, do you have any CD's or MM you can transfer to this bank as collateral. 

Glad to hear you haven't seen any impact on leasing! 

did you find any?

I see you own several properties in (city) and I was wondering if you had any plans to expand your portfolio further?"

I would suggest finishing school, working as a part time agent while you are at school, saving commissions for investing, and working with a team that focuses on investing as opposed to residential sales.There are also local meet ups every month. 

I go to their properties once a month and there is only one property that has seen any progress in the last 3 months.

Hi Jose and welcome, I started small with a duplex and worked my way up from there.

There are tons of filters you can use including out of town owners, single family, multi fam, equity percentage…etc. https://www.melissa.com