@William D Banks II You have several options:1.

Not a big national bank such as Chase, B of A, Wells Fargo, etc.Using a HELOC to fund the down payment may mess up your debt to income.

Hi,Does anyone have a good Houston bank that does refinances or even Fannie/Freddie small multifamily loans?

There were always a couple cars with for sale signs in the bank parking lot.But no, if you refinance it would erase the debt of the first loan including any collateral unless you refinanced at the same bank and they required you keep the vehicles as collateral.

It’s owner occupied, it’s not like it’s some bank owned sitting around for a decade or anything.

It's to a cash buyer, no banks involved.

Are buy and hold investors banking on the fact their properties will appreciate and never depreciate? 

The situation is this: My Grandfather passed about 20 years ago and left his estate to 4 children, uncle1, uncle2, aunt and my fatherThere are multiple properties/parcels (6 total) in the estate that are co-owned by the 4 siblings, all 4 names on the deeds.Uncle1 defaulted on his personal mortgageLien holder(bank) repo’d his home but home was underwater, and thus still owed beyond the repo.Lien holder found out about the shared/partner assets that uncle1 had with siblings and decided to go after themI'm not clear on the exact process, but I believe the bank will take possession of uncle1 (1/4) share in the partnership properties then will legally force the 4 way partnership to be dissolved through a court proceeding.The other partners or another investor are able to buyout the bank owned (1/4) share at an appraisal price.The appraisal is filed with the court so there are no shenanigans with valuationIf no buyout then the whole property goes to sheriff saleTwo of the parcels are rental income farmland, these are the ones I'd be interested in investing inNobody in my family nor my grandfather are/were farmers, the acreage has always been rented outI’m trying to determine whether I can buy out Uncle's1 share from the lien holder bank at the appraisal price with an IRA LLC and become the 4th partner?

@Andrew Postell Yes it’s a small local bank portfolio loan.

As of right now I’m mainly looking for ways I should go about financing this deal and presenting it to the bank in a way that will help make this all happen.