Originally, these two units were leased to two different types of business.

Originally posted by AshleyW:...

I did see it and scheduled the sprinkler installation but heard they are now requiring additional improvements that weren't originally discussed like multiple egresses, changes to pool room doors etc.   

Berkadia is #1 Freddie Mac Optigo, #3 Fannie Mae DUS, and #3 HUD/FHA multifamily lender in the country as of YE 2022, and my team originated ~$325,000,000 in agency loan volume last year.Lately I’ve noticed many of you asking about multifamily financing options, and thought this would be an opportunity to host an AMA regarding Freddie Mac and Fannie Mae agency multifamily financing, an area in which I specialize.

Originally posted by @Dan McDermott:Hey!

We did a 100% gut/rehab on a 1950's house in 2018 and converted it to a duplex, turned out beautiful, salvaged the original wood floors in parts of the house, put good LVP in the rest, simple plastic mini blinds on every window.

You are 100% financed on the new property and close to 90% on the original property.

OP to your original question.Take LA and SF out of California. 

Originally the bank offered 5, I asked for 10.  

The banks you are speaking with either do not originate conventional loans or the LO simply does not know how to originate them.