If the loan amount you are looking for is small relative to the value of the first and the second property combined, they are very well secured on a LTV%; ask for a 1% point lower rate.If you don't want to Cross Collateralize, do you have any CD's or MM you can transfer to this bank as collateral. 

It works but it was installed in 1967 so I need to prepare to replace it when it fails at some point.

If there are lease violations, mention them-you not having a key to access the unit WITH proper notice or in case of emergency is one of them.I'd also tell the tenant that they are clearly not happy there, so finding a new place is in their best interest as well and as they have several months, they should have lots of options.

"But rates have been at 7% or higher in the past, and investors still did well!"

Tax Preparation, Tax Advisory, Accounting.

Saul, Phoenix and Vegas are popular markets, but I’m not sure they’ll actually cash flow well with today’s prices and interest rates.

How is it for preparing taxes? 

Be prepared to follow up multiple times, using different forms of communication—calls, emails, and if possible, in-person visits to their office.

Hi @Aaron Raffaelli, you've gotten good advice here as well as some good options.

They just seem to be trying to add too much now and not doing the basics well.