They have ageeed about 50% of our current home value based on our bank statement deposits.

The bank will want the cstore entity, the real estate entity, and you on the hook.

Is the Bank saying no?

I bought a 4 plex for 6k fROM BANK long story.

In other words, you are borrowing 80% of the rental property cost from the bank but you are borrowing another 20% on the HELOC.

I think there are many valuable lessons in here if they can be separated out and gleaned from this. 1 major thing is that this is your your business and ultimately your model will succeed or fail based on the business model you have and the people on your team. 

I am lucky in that I have an amazing one who does no break the bank :)

These loans are lower risk for the bank, the money is unlimited (they just go back to Fannie/Freddie for more), and you can find them at just about any bank.

However, it’s been in the market for 2 years because it’s so hard to finance from a bank making me nervous to buy it because I might not be able to sell it or will take years to sell.

Bank Loan How did you add value to the deal?