I think the people the banks give you to deal with are in reality not really bankers but property agents employed by the banks.
They have an impressive position and job title with a nice shiny office and company car but their background is not in financials. They also are not empowered to make any meaningful decisions without tedious consultations with someone else. Even then it takes days to get answers.
In any case most of the property banks have on their books is uninteresting and at the lower end.
I had a business plan a few months ago which could have worked had the banks been more flexible at the time with prices. They would not budge. I few months later they did move and slashed values far too late for me.
Personally now I would not enter this market again for years, perhaps even never again.