What local bank or credit Union (Navy possibly) do you recommend he goes with? 

Using a smaller bank or credit union is the way to go.Being that you have been in business for 10 years I am VERY surprised your business banker can't help you!

@Robin Simon I completed a refinance with my credit union at terms of 3/30/75 @6.85% I will have the renwal in 2026 and hoping rates come down a little by then.

Great credit.

We own 3 other rental properties that have a 6.5%-7.5% APR, and no credit card debt or any other high interest debt to pay off.

So, your focus may need to pivot from high rental cash flow to little to no cash flow as a rental with an appreciation upside.I would recommend taking your $150K to $200K and securing a solid equity position in something that will cover its expenses and maybe provide a small cash flow, but then is poised to appreciate nicely over the course of the next several years. 

Of course, accidental investors will do just fine too... 

It will auto download bank and credit card transactions, give you reports by account, category or property in any form you want. 

TIA Bruce Kirsch has a great course on underwriting.

I would consider them to be more of a consultancy than a turnkey provider, and as such I think they provide tremendous value.Of course I could do all the legwork from scratch - research markets and properties, find lenders, get home inspectors and insurance and property managers and so forth - but RTR has already done all that and has far more experience and knowledge than I do.