It's less than the 20% the bank wants.

Is it better to have your checking account for your LLC at the same bank as your personal checking account or is it safer (as in if there is ever a lawsuit) to have it at a bank that is completely different?

Are there banks that create lines of credits across all my investment properties?

The buyer can send their payment directly to the seller within a few minutes, without waiting days (and paying significant fees) for a bank/escrow company to issue a wire transfer. 

, most of it is acquired through poker and i do make 5k per month (on avg because you can have like a 10k month but then next month be down like -1k like trading etc.) but it's not considered a real job i have the bank statements to prove to a lender but other then that i'm not sure what direction i should go any advice and posts are appreciated thanks!

Call local banks, talk to your REIA, spread the word on social media and to your friends and family. 

My question is I do not have a large income ;) and most of it is 1099’d ;) so it is hard for me to obtain conventional loans via a bank.

But in order for a buyer to get a 1st mtg, all these ccr’s were amended so the HOA is subordinate to 1st mtgs, otherwise banks wouldn’t have lent on them. 

If your credit isn't great, take time to call around to banks and find out who you can work with and what they're minimum qualifications are. 

As long as the banks will continue to lend us to build our fourplexes we are forging ahead..we live in a stable area in Texas, we have 2FT employees, I still work FT as a nurse.. 10X rule;)