Hubs' and my finances are through Ally Bank. 

Waters Edge is also a non-warrantable complex, but it is really nice and we were able to find a bank who could work with us. 

The bank turns around and sells the property to a 3rd party for a lesser amount.  

If I can't find previous owner (building was forclosed - so seller was the bank), and all my efforts to find and talk with him have failed - why would the judge believe me over tenant?  

Some people do refer to private money as friends and family, but in reality Private Money refers to "not banks".

I then asked Mike if he might have a referral for me to a bank..

In a nutshell what I'm saying is, the amount of cash that you are looking to have in your bank account to close on this is probably going to be different for a commercial loan then you are used to with an SFH loan.

Some may suggest contributing to the Roth IRA immediately regardless of a bank account emergency fund on the grounds that Roth IRA contributions can be taken out tax- and penalty-free.

Local bank portfolio loan, 10% down, fixed interest rate for 30 years.

Seems they were attempting to draft from an old bank account.