Used an ATM on the side of a local bank.

my bank only does 70 percent non-owner occupied.

Too many other debt sources without the red tape to deal with and expensive legal costs to close the loans.Credit union, bank, Life Insurance, Pensions fund, Private investor loans etc.

How can I find which bank holds the mortgage?

Banks will use 75% of actual rents plus your W2 income and then apply their DTI ratio along with credit score and all the other things that go into them determining if they will finance the deal.

He'll probably have it all paid off by then anyway.To answer your questions, I can't say that it is MLO originated because we didn't use a bank, but we did have an attorney draw it up.As far as servicing goes, there is no escrow.

Basically If I get a short term loan in order to pay for a property and then a year later go to the bank to get the refinance to pay back the loan... what if the market declines or for some other reason I can no longer get a refinance to cover the loan.Is that just when I throw my hands up and say "well, time to file for bankruptcy" or are there other options?

You then counter with numbers that will work for you.Going in you know exactly what your minimum requirements are and target that or better in terms.There is no standards there is only what you need or better to make it work.Your ideal target would be the best bank rate but with seller financing that would be extremely rare. 

Every loan and different banks are at 20 or 25 year amortization. 

If you don't take the FHA route, you can expect to have to put close to 20-25% down if you finance through a bank or commercial lender.If you have a steady w2 job, some savings for a downpayment, and the price is right, I believe acquiring a loan for a fourplex shouldn't be too difficult!