Banks had no reason to call notes due.

Of course the OP received the funds but the point I would argue is that if the OP received in Jan and not Dec in his bank account.

Yoru bank probably wants yoru mailing address to match your ID. 

Was told initially it was a banking issue, but we will see what the latest is . 

I've also used traditional loans through regional banks and a few SBA loans. 

Alternatively, if the bank ( assuming there is a bank) is fine with it, you could negotiate a credit and escrow the funds to be released after you do it yourself.  

AJ Dicarlo Rate (broker and will be able to match with multiple lenders instead of a smaller bank or network)

I’d never had more than $2,000 in my bank account up until this point.

He is very good about deductions on tax returns so his income looks negligible and of course banks wont talk to him about loans.

The bank will make you leave 25% equity in the property - but you also still want the property to at least cash flow some - so be careful how much equity you pull out / new debt you take on.I would do a cost benefit analysis of what your actual gain is in cash-flow on buying a new property with a (currently) higher interest rate (if financing), versus just holding on to the current appreciated property and enjoying that cash flow.All the best!