Good evening,
I`d like to toss in that you give some consideration to the managers at the particular branch you will be working with. While generally speaking I believe one bank is the same as the next, although admittedly there tend to be cycles in their receptiveness to credit granting, I do believe that there can be a huge difference in the managers which in turn can interpret the rules more favourably for different people.
If you`re not familiar with one vs. another, you may want to ask your accountant, lawyer or fellow investors for recommendations.
Warm regards...
George