It would be beneficial for your future bookkeeper to have these expectations in mind where they reconcile the monthly statements and then just immediately send you a trial balance for approval. 

And the proceeds from the sale (plus the balance from anywhere else) are used for us, as the QI, to purchase the property. 

However, some lenders may have stricter requirements for multi-family properties, as they are considered higher risk due to rental income fluctuations and vacancy rates.To improve your credit score, consider paying down existing debts, making timely payments on outstanding balances, and avoiding new credit inquiries.

Not only that but when you are in a portfolio loan and would like to for example sell one and break it out then most lenders will want to be paid back 120% of the balance attached to that piece of property back into the principle of the loan

Doing this keeps us balanced and has allowed us to purchase more properties as well as have a reserve when needed.

Your response is more balanced and honest and I appreciate it.

Snowball method is smallest balance first.

Send your balance sheet with your offer if that helps. 

Ignore the loan when trying to factor in the possible tax implications as paying off a principal balance doesn't do anything tax-wise.

I see with this with a lot of local banks or credit unions.The Banker should have walked you through the basics on County loan limts versus Jumbo &  High balance.