Question about Property Acquisition

[Joseph Micheal]

Hi,

I am curious about acquiring our next property in the portfolio.  To date, my wife and I currently hold 4 duplexes (2 in her name and 2 in mine). 

With number 5 on the horizon, is there any recourse to be aware when contacting banks/brokers?  My concern is that a bank will see the other 2 properties during the financial review and insist on having those mortgages converted to products under their own roof (at current interest rates).  Im looking to put down 5% as I would like to keep cash on hand for upcoming deals.  Current equity in the other properties ranges from 15-23%).  Current debt-to-income ratio is not an issue.  All property rents carry their own mortgages with some cushion.

Is this fear rationale?