If anyone is in need of a better business banking experience? 

Bank with a 25% downpayment?  

Depending on how much you'll like to contribute to this retirement account keep in mind the self employment taxes you may need to pay of 15.3% and age if contributing to a traditional not roth type retirement account.I agree with the above based on your answer you most likely won't have issues in FL.

Did they have bank statements showing utility payments for the rentals?

Got an above listing offer in 4 days with someone who was able to get traditional financing through JP Morgan.

You should have separate LLCs and separate bank accounts for flips and rentals. 

It is very tough to go from a SFH single family to a 2-4 unit as it does not make much sense to the bank or underwriter.

Pretty solid points here, I would also like to add refinancing with a non-traditional DSCR based loan can assist with getting access to cash quickly as there are many lenders that have a lower seasoning requirement. 

I just got off the phone with a law firm doing the foreclosure legal work for a bank.

@Sharad BagriI would open a bank account at a local bank or credit union that will lend on the properties you are buying.