After getting a 2 year lease option, can i refinance with the bank and pay the seller a

I've seen a handful of bank or HUD owned properties where they had winterized by turning off the water and the electricity.

Which bank should I go to for a commercial Loan?

Especially if there is any real bank loan involved.

During my spare time, I enjoy crossfit, reading, cooking, and spending as much time as possible with my wife and kids. 

I reached out to local banks and credit unions for a HELOC to finance another purchase and was told I can only get 65% LTV. 

Banks will typically lend from 65% - 80% of the property's value (LTV).

For now, the tenants need to know, on the day of close, where to mail their rent (or update their auto-pay), how to make out the check (matches the new bank account) and who will be the property manager, with the contact phone numbers of the property management office or person.

I hope you enjoy the Managing book.

You need to find a bank that does income loans