You may want to talk with your banker and see what options are available to you.We have several accounts at a local credit union.

She changed from Coldwell banker to another real estate agency and my current agent is from Coldwell banker.

I would meet with a banker and discuss, you could always suggest that you'll re-attach the office to a unit so that it's part of that unit. 

Ok so I called my banker up and asked to get a cash out on our second property.

Meet bankers on the golf course and get to know them socially, let them break the ice about listing REOs.As a Realtor you can approach any homeowner, in foreclosure or not, except there are special federal laws concerning foreclosures, don't go with the "I can help you in your foreclosure" stuff, just list and sell it, but again, speak to your broker.Wholesaling as an agent, look up "net listings" so, that is a real speak to your broker subject. 

@Michael Ramzy All lenders and mortgage banker/brokers are supposed to have NMLS#.

He is also a Broker for Caldwell Banker.

Question then mikeoh do you have to present each potential purchase to your local banker and put 20 % down ?

Your relationship with your banker is just as important as your contractors and your accountant etc. 

Consider calling up your favorite mortgage lender or banker.