Quote from @Anthony Sigala: I am seeking a loan on a LTR that has a rent to value of 1.3% with the potential of 2%. 30 year amortization or interest only.

This vary heavily town to town. 20% down is great if buying strictly as investment but if you have a way of owner occupying I would explore that route and apply the 20% down to increasing value of property and instead using low money down loan. 

Let's say you borrow $100,000 to pay off your $50,000 IRA loan, $25,000 on credit cards, and keep $25,000 for finishing renovations.

Context:I’m seeking advice from those experienced in real estate investing and financial freedom strategies.I recently bought a multi-family property in Newport, RI, using my VA loan for $695K.

In reality, it’s pretty rare to find a DSCR loan going up to 95% LTV.

The deal will leave the seller at your sons mercy for decades (the life of the loan).

I feel like my "circle of people" really needs an expansion and improvement and I want someone with more experience in the field I want to be in to really help me gain myself to success!

What loan?

Been looking at hard money loans, and also looking at doing a 401K loan from my w-2 job. 

Maybe an outside the box idea would be to try to force some equity by making some improvements in the house you live in.