Its a great time for investors to tap into the equity they've accumulated over the past few years on a cash out refinance with improved terms. 

It hasn't been successful at this time. 

(I'm thinking for general banking, checking, savings, etc.)I've been banking with Chase, and am having a nightmare of a time closing CDs upon maturity.

Also, I have posted many times, do not do business without a trusted team.

I hear horror stories about not being able to purchase fixer uppers with the VA loan but that wasn't my experience either time.

And also can save a lot of time!

At the same time, notify both of them they they are free to apply for the unit individually.

My advice is to take your time learning the ropes and understanding the market.

It sounds like what you're looking for is an equity partner - you will have a tough time finding someone to lend in 2nd position at 100% CLTV. 

Thanks again  check with the local COOPS, banco popular, 1st bank, etc... you should be able to google banks in the local area. the hard part is getting them to answer the phone. if you have to show up to talk to someone, be prepared to wait in line or spend a day there.