We work with a DSCR bank that has 0 cash out seasoning. 

I am now looking for advice on how to structure my bank accounts to properly separate my personal expenses from any expenses surrounding my house hack.

So, the bank collecting the payment may not be the actual holder of the debt any longer. 3.

I’ve been told by many local banks and credit unions that they will not do the deal.

Almost nothing penciled out and I wasn't interested in buying properties with negative cash or banking on the possibility of future appreciation.So I resisted buying bad deals and pretty much sat on the sidelines from 2005 to 2009 and continued to build up cash, contacts, my credit score, and my RE knowledge/education. 

I need to go with commercial banking. a couple of questions-My question is who do you guys recommend i use?

This is how banks that give mortgages in Connecticut work. 

I've also used my VA for following up with past-due tenants, lease renewals, and to setup inspection times such as when the bank wants to walk through.

I am an agent and listed reos and short sales in California and the banks did not take low offers.

Incidentally, what I posted is how home loans work in most countries on the planet, the kiddy-glove 30YF is the exception globally, not the norm.For a new and inexperienced developer, banks don't currently have appetite, so model your numbers on a hard money loan at 12% to 15% (I do not offer these).