If geographically agnostic, I did a study just a week ago on the state of the duplex/fourplex market in the Killeen-Temple area.

How do you pay that off? 

@Aaron Dixon Welcome to the bay area.Lot's of options and differing areas all within an hour radius.House hacking would be a great way to enter the market here.I'd suggest deciding how far (long) you are willing to commute and narrow your buying / living range accordingly. 

You are better off doing a HELOC on your current property or second mortgage 

Now I am selling it for a 925k sales price, I will have to pay off around 300k of mortgage and then there is the realtor fee (3%), a seller contribution of  20k.

Are you an aviation engineer and your company just lost its next contract.Do you work in an assembly line making wash machines and they outsource to China.Are you a concrete worker and get laid off since construction has cut back.On this forum the question is how is your REI moving forward.  

With long term rentals (or any house aside from a flip), you are unlikely to make money off the sale of the home if you have only owned it for 2 years after you pay the realtors and other fees.

@Brittany MageeDo they have a mortgage on it, as typically the lender will require it to be repaired or they take proceeds to pay off loanUnfortunately not much you can do

Everything has been off market/word of mouth.

As far as a specific bank recommendation,  it looks like Mountain America Credit Union has a couple of branches in the surrounding area and I personally like them.