I called last week and they were hesitant to even talk to me because I wasn't able to name the person who the utility name was under.

But don't hesitate to reach out to me if needed.Pete

Don't hesitate to negotiate out unreasonable terms. 

Does your mortgage company, utility or mobile provider hesitate to being up the topic?

Hope to see you there.And, if you ever need any help, don't hesitate to reach out.

Now that the property is under contract he might be hesitant and has asked how soon I was looking to refinance. 

Any questions, never hesitate to reach out!

So to answer your question, I'm pretty confident in my numbers when I set an offer price, but I'm hesitant in putting forward that offer without first lining up the funding.

I’m always pretty hesitate to give any one a hard no or tell them not to try something although I would be a bit concerned with having no savings for an emergency situation that will probably arise (EX I used every penny I had on the down payment and closing cost of my first rental and then two weeks later had to put a $4k hidden plumbing problem on a credit card).

I have been in this situation a number of times and haven’t hesitated to tell them that I am hoping to put the funds toward a new property.I cannot speak from the bankers perspective, but if you are borrowing against a primary residence my guess is they are just filling in a required field on the application.