The bank is still offering financing but I'm wondering if I am overpaying.

I am currently in talks with banks for mortgages.

You had to be cash heavy and have every corner of your world shored up for a bank to do business with you.  

If you need funds to also rehab an investment house flip there is a 30 year fixed rate loan for that , also at 15% down.Rates are still low today so I would say use the banks money at a low 30 year fixed rate and retain the security of your equity in your personal residence.

house under contract with nothing unusual from the bank. 2 months later bank counters offer at 220k WTH???? 

I continued to look for investors everywhere I went. at street fairs, through my small network of home owners and business people, hosted seminars on finding and doing fix and flips and built up a group of investors who encouraged me to find them development deals. 

The administrative headache of having to keep extra bank accounts and tax returns isn't worth the extra headache, especially given there isn't any case law to actually uphold the validity of what the Series LLC is trying to accomplish. 

I have a property that's a Foreclosure and the bank is wanting $60k for it.

Is it a problem to get the rent in my name and use Zelle and then use online banking to move the money into that account?  

At the moment I just have the pre-approval from a bank, so I can search for properties and realtors know I am a serious buyer.