(this makes HELOC's essentially unavailable to me=/)My situation and where I am seeking advice:currently seeking lines of credit from multiple banks.  

I introduced myself as an investor that would be in the area soon and would like to look at the homes that they are selling for the bank.

Other than that I'd be looking at debt terms with local banks.

They qualified me for an upper tier program (maybe they tell everyone that :))  so rates/points were competitive, but they can't close in 2 weeks (they can, but you can't bank on it, they make you write contracts for 3 weeks).  

The bank is asking 45 but I think the whole thing needs to be razed to the ground and rebuilt. 629 3rd Ave, Kingston ny.

I'm working on the financing with my bank and I already have my eyes on a property. 

Will a bank give me a 3.5% or 5% dp loan for a multi-family primary residence if I own these other properties? 

They were looking to get debt on the portfolio a while back, but found that local banks were very conservative, and needed appraisals on each property individually, which would have been cost prohibitive for us.  

I plan to meet with at least ~8 or so banks so that I'm clear on the process.

I am new to real estate and I want to know how to buy houses and keep buying houses without the bank telling me I'm maxed out for borrowing.