@Nick Cockrell You are borrowing 80%  from the bank right. 

If your tenants have bank accounts and a smartphone, but have them pay you via Google Pay, Venmo, Apple, or straight out of their bank account into yours. 

Or do I need to knock on the door of smaller local banks?

We've seen this in several small jurisdictions in the Houston area so it will vary by jurisdiction. 

There is no reason to for a bank to forgo all the due diligence they have done to get this loan done just to help you out.

How do I know the bank will not foreclose if I catch someone up on their payments.

It's harder to get entitlement in county jurisdiction.

The bank the is loaning most of the money also expects to be in 1st position.

Inspirational every time.If you haven't already, I would recommend that you start talking to lenders (banks, mortgage brokers, credit unions, etc.)

Banks will not typically lend for a home such as this for various reasons, and I do not mind as I do have the cash for it.On the negative side, I do not know what to expect in regards with initial repairs, and being a 100 year old home there are bound to be more problems down the road.