And fico is down the list at what my commercial banks look at for multi million dollar loans I get.. those are based on the 3 Cs  Character  Capacity Collateral   and of course experience and length of time with the institution.. now this is for my development and construction loans.. 

Watch your commercial a$$es.To add to Jay's  Heloc warning, I see residential folks using blanket portfolio and commercial products with cross-collateralization clauses and all kinds of small print. 

Question: is there a way to use my existing Portfolio of SF assets as leverage/collateral to secure a large finance partner to maybe get me into that larger MF sooner?

The buildable lot is also not part of the new debt collateral allowing me to start thinking of whether to build or sell as a lot.Time to move this equity into another property.

The home would be the collateral in either case.

with no money down and buying at the top of the cycle you could be foreclosed at the first market downturn and i don't think any lender in his right mind would accept such a deal unless you have enough equity in properties to serve as collateral to pay for vacancies and repairs 

They will use the new property as collateral.

They can have their funds collateralize by equity, instead of actually partnering and owning equity.

As a side note, if you do obtain a HELOC to acquire a new invest property then run that payment against the new property's cash flow instead of the property you use for the HELOC collateral. 

While not shooting the idea down, he raised a number of possible concerns about future financing, such as possibly needing additional collateral or proof of other sources of income to justify repeated loans.