They're not like big conventional banks after all (correct me if I'm mistaken).I found one that does a soft pull so I'm thinking there's nothing to lose. 

You want to bank reserves there to see the future cap ex because if you don't, you get another property and then two furnaces go out in the winter at each and you need 20k and now they both cashflow nothing.Your asset will appreciate and you can value add to rent add by making smart decisions on upgrading tenants.

I recently explored several top mortgage companies to hang my NMLS mortgage license with and if you have decent credit and a down payment, banks are finding ways to get you qualified.

So, while your bank account doesn't show it. 

After speaking with the bank, I may be DTI limited instead of LTV limited anyway.

I have a second home that I use as a STR in the Outer Banks, NC.

Well, the reasons given generally fall into two categories - either tax benefits through an “installment” sale or obtaining an interest rate on their capital greater than what banks are paying.In my 45+ years doing real estate deals, I’ve found maybe once that the tax argument was considered by a seller; further the “greater than bank rate” argument is completely irrelevant because - the proceeds of a property sale were never going into a bank account, at least not most of the proceeds.

If FL was going to be under water in 10 years , they said that 20 years ago, then the banks would not give 30-year mortgages.

The local bank that we used for financing was a bit annoying at the end but it all got done, more headaches that you should have been but not the worst.  

The purchase was $375,000 and the rest was used for renovations.My cost bases in the building will be around $740,000.I refinanced the building with a $900,000 loan.I have an offer on the building of $1,400,000Total capital gains would be about $660,000So, my question is after selling the property (for easy math) lets say I walk away with $500,000 after paying off the bank loan.