Generally the same banks, credit unions, savings & loans, etc will all make commercial loans.

Makes a HELOC really tempting, and I'm sure the bank would see me coming from a mile away offering my daughter all sorts of free suckers.

So for me, while cash flow is important, especially to show banks that the properties are profitable in order to get loans on them, I think that an investor should look at the investment as a whole and not just invest solely for cash flow.I would love to get the opinion of the BiggerPockets community on how important cash flow is to them in determining which properties to invest in.

If you invest in a home and do not live in it, banks typically require 20%-25% down. 

@Omar Khan I bought all the properties using a rehab loan from the bank using 20 year amortization 5year arm.

Is there anything I need to do prior going to the bank?

Lower appraisal means better protection for the bank.

I'm thinking of about a hundred ways to do this, but did you try refinancing with a local bank? 

However, when I went to speak with Bank Midwest, they offer a HELOC on investment properties. 

And the owner will only sell them together.If a bank is willing and able to do a commercial loan vs buying them individually, are there a foreseeable advantages or disadvantages from your perspective?