The only thing I'm bringing to the table is my next monthly mortgage payment (PITI), which is a tad lower because of the reduced rate they're also getting me. 

Clarify for us which offering is on the table:1.  

It's pretty common with multi-tenant dwellings to not allow the inside of occupied units to be shown until there is an acceptable deal on the table.  

I'm leaning towards the rehab and rent ... unless the realtor brings us a "you can't refuse this" offer.There were multiple offers on the table when we went in, so we made an offer of $26K and sent a $15K deposit.  

I just don't see myself sitting across the some lady's dinner table gripping a pen staring through to her soul hell-bent on success at all costs ya know?

And through the process i learned so much, from talking to the sellers, to presenting a deal to a cash buyers,and then to the closing table...And through that I had bumps and bruises and angry callers, to sounding like a complete idiot talking to sellers,deals fall apart at the closing table, horrible mailing campaings, spending marketable dollars getting nothing in return... but through it all Thats where i got my knowledge...Your goal should be focused towards using wholesaling to get you the capital you need to either buy your first rental property or your first fix and flip property.....Do honest business, and dont be greedy when selling to your buyers. and most importantly jump in and dont let any discourage you on this site or anywhere else.

I always smile and applaud them for investing, but I can't help but group them with those who show up at the craps table every night.

As this is money that I am potentially leaving on the table not to mention the benefit of having MLS access and being able to put offers in my self.  

Now, I guess if we were to bring 30% or 40% of contract price to the table, they may reconsider based on our history.The silver lining, if there is one, is we jumped on this right away and about 5 months ago went to two other banks with a full investor's packet, including: financial statements, tax returns, LTV or each property and entire portfolio, and portfolio holdings with current rents and cash flow per unit.

Even if the purchase price works for us because of the upside I am somewhat concerned about the property being able to appraise and having to bring more cash to the closing table.