My areas of experience include: Historic tax creditsHistoric renovationPermitting, building code, etc.Finance, funding projects, bank loansFundraising, structuring projectsProperty management and maintenance (using technology)Urban developmentFeel free to connect with me directly if I can help you!

Loans do tend not to happen by accident under tax law - the courts like to see notes, collateral, and a list of other "bank-like" arrangements for a vague transaction to be viewed as a loan.Contribution via a personal credit card buying something for the IRA.....muddies things up a bit. 

From there the bank appraises it and says it is worth the $450,000 so I can refinance it to 80% of the appraised value (80% is what my bank will refinance at).

Banks are not in the business of rocking the boat on performing notes and get that you are transferring it into your LLC or business for AP purposes and you own the company.

If that thing is highly unlikely to pass any kind of inspection or appraisal for standard/traditional bank financing, then who is going to buy it? 

2) Same for asking for the bank to increase the amount to be increased?   

Most of my clients are in position to see an average over 5 years of 9%-12% ROI on cash flow and levered IRR's as high as 30% annually (this is bank financed homes with appreciation figured in with cash flows.)Many of my clients are in other markets including, Cleveland, NW Indiana, Detroit (I know,) Memphis, and Kansas city.

If you have a loan on the property, technically the bank can exercise their due on sale clause. 

If 4, what are you suppose to do with the parent bank account?

But will the bank be okay with that assuming I'll have to finance?