Hopefully the bank will deal.

I can go to my bank but wondering if there is a mortgage broker that anyone can recommend which can give me a good rate.

I'm really hoping to build on my knowledge and hopefully pass on some of what I've learned from an earlier rental fail.  

I have a property deal in which the sellers are a year behind on payments and owe the bank $25K to catch up payments.

You could also ask the bookkeeper which CPA does he/she collaborate with and then verify the competence level with with the CPA.If you are concerned about the safety of your financial documents, most cloud based accountants use software (Quickbooks, file sharing services, etc) with bank-level encryption. 

Do what you can now to get ready to pick up some bank-owned properties a few years down the line. 

(that money is wired to my bank account, so I can take it to buy a new property, possibly in cash?

In my job, I work for a bank as a commercial lender, but I don't do investment or residential property loans. 

It has forever eluded me how to get reo listings from banks. recently i noticed a foreclosed property get listed with a broker 80 miles away in a completely different part of the state.

I will give my credit union a shot first and then possibly target smaller local banks