Your job, your savings, sounds like you have a supportive dad, you live in a place you evidently love, you’ve had exposure to the business.

Hello all, I'm working on trying to grow my rental business and looking at different avenues for funding. 

Make sure you talk to a Banker or Loan officer that is well versed in both SE (Self Employed) income and also Non/QM programs.One tip I will give you as a Banker is open up a "Business Checking account" and for the next 12 months pay "Everything" out of that account. 

How did you get into the AI business?

The purpose of any business is to grow. 

Aloha Shay, I am on Oahu, but about 10% of my business is on the Big Island.

This models BOTH the HELOC and the loan at the same time.

Have you considered buying a business in the trades?

I'm doing a refi on a multi-family building right now with a lender I found here on the BiggerPockets Lender Finder - https://www.biggerpockets.com/business/finder/lenders They've been able to help me get a DSCR loan which others on this post have mentioned and they've been pretty quick should be able to close before the new year in less than 3 weeks from when I started the process!

Quote from @Bruce Woodruff: I assume you;re talking about a model like this?