Citibank might work

The agent in Citibank told me that they can do up to 10 and interest rate is not necessarily higher than the 2nd loan for investment property (around 4.875% now). But no cashout refinance. Loans only for refinance (without cashout) or purchase. Six months reserve is required for all investment properties. The reserve can be in form of stock, bond or 401K. But only 60% is counted. I hope to get money (cashout refinance) from local bank first and then refinance with Citibank.