I'm sure some local banks will do higher especially with a strong relationship but don't think I will fall into that category.

He is going to sit tight and get his occupancy up to 80% this fall.   

My first deal looks like it will fall through because the bank doesn't like my work history. (4 months as a union electrician, which the bank considers contract work).

Their clear incentive is to bet on falling interest rates between now and debt maturity.A small handful of owners are forced to sell due to a looming balloon payment that a refi won't cover, but you're not going to find one of those by driving the market when any commercial broker can just look up properties on that basis and start making calls. 

Quote from @Kar Sun: This isn't right.The tenant should have liability insurance, which protects against accidents like a kitchen fire, a slip-and-fall, etc.

We bought this rental in the fall and had it rented.

I've replaced a few over the years, each different for different size properties around Idaho Falls, ID.

Don't fall into a trap others have fallen into before you.

The down fall is a Heloc can "Never" be used as an asset or for PITI reserves required when buying a new Primary or investment property.A heloc can also cause major issues with credit and one slight hiccup or missed payment the bank or lender who is holding the Heloc can close or reduce your line of credit.

Slip and falls are a leading liability concern a property owner should be aware of and snow removal is not something to cheap out on.