I've been approved for convential financing and I found a deal on a 12 unit but the bank I'm using wogn't finance anything over 4 units.

I have found a potential deal here in Denver.  

Later we found that we don't need to suffer when we see their emails, we give their cease and decease notice for harassment, and said it will go into their file, then they stopped.Tenants who are picky on every small repairs, and called city for inspection, city came in and picked out 20 items for you  to repair, and costed you money for non-sense?

@Cathleen Ohannigan I am not sure if you found a solution to your dilemma.

We are sending handwritten mail this week to the addresses we found where the owner address is different from the property address (about 50 records or so).

The only way I've found to get that kind of ratio is by forcing the appreciation.

If you uncover that answer, it may shed some light on the investment (maybe it's good info and it satisfies my skeptical approach)I have found the biggest three seller motivations (with landlords) are:1) Tenants are subpar and current owner is tired of managing (in this, you're inheriting headaches, eviction, and much higher repair costs than you expect). 2)  An estate took over and just wants to get it gone (in which case there is probably a back balance owed that needs to be flushed out along with a general lack of property knowledge). 3)  My personal favorite: the Owner bought via tax sale deed (and therefore does not want to be a landlord, just wants his investment + reasonable return).If everything checks out, it sounds like a great deal bud.  

Here lately with Hurricane Harvey I found out how important it is to have a good insurance agent.

Found something, a foreclosure, and the bank providing the mortgage wanted to know where the down payment came from.

We never found one.