Some banks will let you do a HELOC up to 89.9%

Too often, the ones that "hook the client" nowadays get bad Yelp reviews:)  You can call Tom at Capital Bank in Annapolis.

I am in the process of buying first property (Out of State) and was close to closing when I got en email from my lender(Bank of America) saying they could not approve my loan because of driveway encroachment. 

Is there a set time or rule that banks use? 

Depending on what you are targeting you may even be able to work with a bank to have funding up to a specific limit available.Next you need to start networking with agents and other real estate investors in the area you want to invest in.

No bank approval needed.

One important thing to know is that the list price of the home is set by the listing agent, NOT the bank..  

Far better to resolve before it gets that far.Right now, the bank will talk to anyone on the loan, anyone on the title or anyone who can show a Power of Attorney for anyone on the loan or on the title or a properly executed probate.

In the attached report of the subdivision called Prestonwood, in the last year, sales have been cut in half, and listings have tripled.

(More big banks?