How does one take the owner finance situation to a bank and turn it into a 30 year loan to hold without an additional down payment of 20 percent ?

Given the seasonality there's likely slow workflow from the banks so it would be a good for you to apply, get approved, and be well poised for the spring market!

Virtually all 5+ units in Reno where the buyer is using bank financing will require 50+% down.

You'll want to make sure multiple banks look at the deal to see general appetite for financing.What happened to us is we took over a string of condos from a non bank lender that foreclosed on the properties. 

I have Baystate Bank on one property and TD Bank on another.Hope that helps!

Construction i completely understand it runs in my family. money is not a issue for me is getting the proper knowledge in this field so I do not fail.

I used Evan at the bank of Lexington to do the lending..

Failing to follow proper procedures will cause even more delays.  

Completely agree. what I failed to mention is The tenant is my daughter and her boyfriend... otherwise I would never do a month to month verbal lease.

I have a US credit score, US bank accounts and some US-based income, but my paychecks are not.