You can do an 80% LTV cash out refinance, but it will depend on the state and if the property can debt service at the higher LTV 

I have a legal question about a contract I have with a wholesaler and the $5000 EMDI was under contract for a property that I learned had liens on it..... it states in the contract that title must be marketable and if not, then I would get my EMD back.....

Like maybe I could pull enough out from heloc on primary residence to pay off debt and then rent out my primary and use the extra cash to payoff heloc and then do another heloc once the original one is paid off.

I am in PA and yes, it is legal to charge late fees to your tenant regardless of Section 8 subsidies or not, provided the tenant's lease allows for them.

@Chris Kay beleive you can do DSR loans without a job as they qualify the property, not the borrower.You'd still need 20-25% down though.That's where you have a decision:- Pay down the mortgage, setting yourself up for a future refinance to free up your VA Entitlement.OR- Save up for your next acquisition.Only YOU can make that decision as you have to be comfortable with the increasing debt-load risk and the additional time to manage everything.

Eliminate debt, establish a budget, and save.

The concern with places like Irvington will be once you move out and no longer owner occupy how do you raise rents legally.   

However, if you are an out-of-state slumlord, you can now pass 100% of the financial and legal liability of maintaining a property onto some poor local.

I use Wisconsin Legal Blank forms, they are inexpensive and court-tested.

Do not rely on it for legal advice.