My bank required a Phase1.

Also realize that typically (or recently in my experience) banks are tightening up their apprasials.

Try first state bank of Rosemount.

In most cases the bank will want 20% down so your mortgage will be around $280k and over 20 years thats around $1800 a month off the top of my head. plus account for a 6% vacancy rate and $2400 a year in repairs and calculate how much the HOA fees are and insurance and the real estate taxes.

I see few discussions in the forum about talking to local credit union and banks.

Will a bank lend to three unrelated people? 

The seller is willing to do seller financing with a reasonable rate for 70% LTV.I would like to offer him this: I will get a loan from a bank for 75% and for him to carry a note for 25%.So, I would be getting the property for zero downpayment.Not sure how to approach the topic.

I have gone so far as to invest in an LLC and set up a bank account.  

I would use a direct deposit to decrease your risk using a form from the bank.

I consider a bank lucky if I borrow from them, not the other way around.