I have to agree with Account ClosedYou probably need more financing and more education before you buy an investment property.I would also call every bank to find out what their lending terms are anyway to get  more educated.Why not a 4 unit with another bank?

I’ll say two things though, one is I’m sitting on a good amount of cash (relatively) and hate seeing it just sitting in a bank (though would hate to lose it).The second is I am slowly building a network.

The bank does the rest.Basically you’d have two mortgages on one property.

I might be asking the obvious here, but can you wholesale a property to someone who is financing through the bank?

I do have good credit so wondering I should just go to the bank for a loan for my first property or should I jump into wholesaling or seller finance options. 

If you are considering a larger multi-family, there would be additional things to check like employee records, reserve funds, review of bank accounts, environmental assessment, and more.

You don't actually need a bank.

The bank isn't going to work directly with you.

He tried to get a loan through his bank, but wasn't approved.  

Maybe talk with a local bank or credit union and see if they'll be interested in a portfolio deal.