But they felt we needed reserves and want to put a credit line on another apartment building for $820,000 and restrict $500,000 repairs and allow $320,000 for the actual credit line.  

Hopefully this website can get me on the right track.

if you get a break down and it shows you are paying $10,000 for cabinets, yet you know you can get cabinets for $5000, would you go back and ask for them to credit back and use the cheaper ones?

I would think local bank or credit union. it would likely be too small for other lenders.

Keep in mind the shorter the term, higher the interest, lower LTV, higher borrower credit, strong pay history, all add up to higher resale.

unless you have great credit and are an  experienced real estate investor, no lender will allow a owner second as substitute for borrower contributed capital.2.

Local community banks and credit unions are probably your best bet.

This can include past taxes, bank statements, credit reports etc.Stay away from anyone who says they can finance anyone from 5k-50 mil for 4% as well as anyone who asks for upfront fees.  

To pay off all our bills, and pay off what we owe on cars, credit cards, student loans, debt collectors, etc we would need around $125,000.  

So, you have the inside track to shoddy/shady Bank practices?