They're only asking 117k but so far the banks I have called won't finance me because its 2 separate buildings.

It took a while to get the first property, but I am currently working on an H House (3 bed 1 bath with a basement) in Richland Washington that has a mother in law suite attached to it.

The bank will let your monthly debt service be up to 45% of your monthly income. 

Hi,My name is Brian Carolan and I am looking for recommendations on which banks to use in Rochester NY to finance the purchase of a 2-4 family rental property. 

Or should it come to us so we have a tax record of it being inside our bank account?

I want to do an 80-10-10 loan, or piggyback loan. 80% from a small bank, 10% business line of credit from a larger bank, and 10% downpayment from me.

With a home equity loan you can borrow against that difference, some banks allow up to total of 100% of homes value but typically best rates are 80% and below. 

All of the banks told me up to 2 units just like @Harjeet Bhatti said. doesn't hurt to keep trying and asking.

But your issue becomes that regardless of how you would like it priced, the bank is going to price it based on comparable sales so even if a 6% CAP gives you a value of 600k but the highest comparable they can find is 500k, you're going to run into problems when your buyer goes to finance.

Your original offer was asking for more than a bank would give you, which with owner financing almost never happens.