I’ve been speaking with multiple banks and credit unions and keep hitting a wall?

Banks will loan at about 1.25.

Do I need to improve the property/raise rents enough over the course of the 2 years that a bank will give me a traditional loan at that point?

I would hit up you local banks, S and Ls.

Recent Bigger Pockets episode motivated me to reach out to US Bank about their mortgages and loan products. 

Did you get a bank loan for this? 

@John Beck your best bet is to start with local banks and credit unions who know and understand the area. 

Account Closed i don't trust anything when it comes to sellers and brokers.you need to verify as much as you can. with rent roll, you want to make sure that you know what rents are currently paid, not just Physical occupancy But also Economic occupancy - that means tenants that actually paying rents. you can verify these by asking for bank statements, and schedule 1from the TAX Return. 

Do I pay it out of my LLC's bank account or continue paying out of my personal account.

@Rodney Banks I do tax sales in MD.