@Alexander JohnosnYou should look with your employer if they allow loans against your 401K.Depending on the 401K that is set up; you can potentially loan up-to 50,000 or 50% of your vested 401K balance,whichever is smaller.Is the 14,000 the vested balance?

Which ever lender you use verify that they are legit 

Get a PO Box for rent payments and get a cell phone.

He says they will only lend on either the purchase price or the appraised value, whichever is LESS!

Then, when property A is seasoned and I have two year's landlording experience under my belt (so the banks will count my rental income as income to back a mortgage), refinance property A with new long-term financing and refinance property B with a VA loan (or whichever loan would give me the best interest rate).  

I called his cell phone that was listed on the website rather than the work number given.

Under Utah law, a landlord must return a tenant's deposit within thirty days after the tenancy ends (the tenant moves), or within fifteen days after the landlord's receipt of the tenant's new address, whichever is later.

Which ever lender you go to, that knows what they are doing, should be able to run value on your deal day 1 and give you a reasonable range on leverage and pricing. 

The "bank" didn't open it up for offers, as the owner still owns it, and the bank doesn't look at offers, only whichever executed purchase agreement the seller submits.

Good luck with which ever you decide and  can assure you that you'd have the support of the website.