When I read the bank would accept 91k I understood that to mean that was the 30 day payoff amount on the mortgage.  

I found a bank who would work with me and the SBA and the deal happened; I got the loan. 

That is your denonimator.You also take the cash flow you get from rent minus all your expenses, so at end of day how much $ is in your bank account for the entire year.

I use Buildium for tracking rent, fees, leases, and collecting online payments, but I don't use their reports for much, as I end up copying my online banking each year into spreadsheets.I've been using Rental Hero for the last hour and already impressed with it.

I also have $100,000 in the bank, and I'm trying to figure out what steps to take next.

We don't tend to get them when buying from a bank (because they usually won't budge on price) or wholesaler (who often provide an inspection) but do our own thorough inspection. 

Same thing for the so called “infinity banking”.  

Brokers have their place in the industry as do retail banks/mortgage bankers.

@Vijay Singh SambasivamI would suggest speaking to local banks, and credit unions.

Welcome to the world of bank loans!