Many investors are attracted to lower price points but end up losing money because cheaper properties are higher risk (not good locations, rough tenants, lower quality construction, etc.). 

just to save on my own mortgage How did you find this deal and how did you negotiate it?

Quote from @Jeff Chisum: If a DSCR originator (keep in mind you don’t need a mortgage license to originate) tells you the loan will not be reported on your personal credit but require you to be a personal guarantor your next request should be; “I want to see in writing it will not be reported on my personal credit”.  

I am currently 2months behind on my mortgage.

The 4 unit I am buying the seller wants to move to Florida SUPER bad and is carrying back a 2nd mortgage for me.  

She could have chosen a much cheaper solution, like go to a coffee shop.

So if you can collect rents into your business either by deeding the properties to your LLC (be careful of the due on sale clause on your mortgages) or by signing a master lease between you and your LLC and having the LLC sublet then that may help.

Also the tips on how to navigate banks and getting routed in the right department for this type of query.In a different post I saw another suggestion to engage any bank one is working with that has 1st position on the mortgages in the portfolio.

You have a mortgage on it so no one's going to go after you; you'll just need good rental insurance and (recommend) an umbrella policy. $200-300 per month isn't great, so make sure it really makes sense to keep it as a rental.

I have a mortgage in my personal name, but setup an LLC that I plan to deed the property to and manage the rentals with.