I'm looking to get a local bank who will hold my note in-house as I build my portfolio which can hopefully turn into a relationship with them.

I have a couple smaller bank contacts I can share with you that would look at this type of deal.

Every paycheck, every bonus. 15-20% goes into your bank account that you’ll use for investments (real estate, Roth IRA, 401k if company matching, Vanguard brokerage account).

Not gonna break the bank, but I think this is as clear as day -- they are responsible for that $920.However, more importantly, only two tenants (of four), were ever on the lease, and only one of the four tenants ever signed the lease.  

We talked to several banks and found one very large bank that would rap the rehab with the mortgage the problem with this bank is they were very difficult to work with especially for the contractors.

Is your bank offering 4.5% Thank you,

All banks I have spoke with say the same thing -“we are going to look at everything “Your w2 income your businesses your property your debt your cash reserves your savings your retirement funds .. everything and calculate from there .

The only annoying thing is that I collect additional information that cozy doesn't (references, bank info, etc.) which means I have a paper application + cozy.FWIW, I've allowed small dogs and cats in my unit but say they're negotiable...I don't want to disqualify an otherwise excellent tenant because they have an animal. 

The bank basically uses the equity in one as collateral on the new purchase.

Lending is back in style and not only banks, but private money lenders are marketing their wares with a vengeance.