The Aspen Institute, June 19, 2020"As many as 6.7 million rent-burdened households could face eviction once enhanced federal unemployment insurance expires at the end of July."

We want to go with a local financial institution to hopefully establish long-term relationship.

You are not missing anything. 90%+ of Single Family Rental properties are owned by investors with 10 or fewer properties. 2% are owned by institutions. 

While managing those rentals would take time/effort, financially atleast there is not much risk or pressure from a financial institution. ( Remember for the house i lived in, I was comfortable to pay my mortgage, thats a different kind of pressure and at times you need that to make some effort to improve ourselves). 2.

These buildings are usually owned by Institutional investors and demand the lowest Capitalization Rates (CAP Rates), highest per unit prices, and generally have the most appreciation potential, but lowest cash flow starting out.

Mold exposure generally doesn't kill, but will make people sick...In 2004 the Institute of Medicine (IOM) found there was sufficient evidence to link indoor exposure to mold with upper respiratory tract symptoms, cough, and wheeze in otherwise healthy people; with asthma symptoms in people with asthma; and with hypersensitivity pneumonitis in individuals susceptible to that immune-mediated conditionLead exposure generally doesn't kill either, it just causes brain damage and other fun things to happen...The signs and symptoms of lead poisoning in children may include: Developmental delayLearning difficultiesIrritabilityLoss of appetiteWeight lossSluggishness and fatigueAbdominal painVomitingConstipationHearing lossBabies who are exposed to lead before birth may experience: Learning difficultiesSlowed growthAlthough children are primarily at risk, lead poisoning is also dangerous for adults.

However, many of the newer "institutional" lenders are requiring minimum FICO scores (630) to fund a loan because it was a condition of their Regulation A+ capital-raising documents. 2. 

If your business is well run, and you have great cash flow, you really need to approach your local lenders (banking institutions) because they want to lend to financially sound businesses.

Either deposit money in their institution or if you have a bunch in there tell them you will take it out.

Go online and get his institutional number and write him a letter.