I'm an investor looking for a local bank to establish a relationship with in San Antonio.

I have an LLC, and my bank is offering a line of credit to my LLC. 

But yes, I think in today's lending environment a lot of banks/lenders will look at rental income as part of your DTI.

You complete distribution request, submit it to your custodian and they will mail you the check or deposit funds into your personal bank account.

I've got a potential hard money lender whos willing to help me with the rehab cost but before we can make that happen he needs as an assurance from me to provide in writing a bank who's willing to refinance the property after it's been rehabbed.

I would like to get into real estate investing, but I have had never more than $2.000 in my bank account in my life.

Then when it comes to financing this is where you can increase your offer slightly if its owner financing because he can provide cheaper financing than a bank and he will ultimately make more because he is getting interest on a loan.When he asks "why do you get a profi"t you mention that you are taking on the risk of fixing up the property. 

Banks arent willing to lend based on appraisal they look at the purchase price.

Banks/lenders won't care how many books you read or your drive, they'll want solid proof that they will get paid back. 

Also, I would recommend finding a real estate agent that you trust, and also start talking to lenders (banks, mortgage brokers, credit unions, etc.)