Also, the house I own the mortgage is through Bank of America, should I go with a local bank to get a mortgage for these properties?

I'll shed some info;Deal was found on mls for 177k, we offer 160, closed on 162k, did everything I had to do on the inspection period etc etc, seller god the final hud from the bank and realized she needs to bring 6k to the closing table , so for us not to lose the deal we offered to bring to the table 6k( her agent give up on 2k of her commission ).

Have you tried calling your local community banks?

I'm doing a cash our refi and the bank needs this info today.

Have you tried posting fliers at the college on bulletin boards or leaving a stack of printouts explaining/showcasing the unit(s)?  

However, in each case, the board was able to explain the whys and never had a problem with it. 

Some big banks will even match the rate of discount/online brokers.

For example, if the insurance company declares the property a total loss, pays the homeowner the equity they are owed, does the insurance company then own the property sub to the bank financing, or would the insurance company also have to pay off the bank and own the property free and clear, and then sell it off similar to how a bank might with a REO?

I am looking for a suggestion on what banks to apply to for a conventional mortgage on a non-owner occupied mortgage?

The bank you choose to provide a checking account has no authority over your 401k and is not the custodian.