I agree with Nathan for his situation of owning 12 properties, but for someone just getting started I wouldn't suggest getting locked in with the one-time fee.

What is your roof goes, a heating unit.... you're credit card debt could build up quick as a result of this putting yourself in a bad situation.

That’s what I would and have done in your similar situation. 

It’s all about solving problems and creating win-win situations.

It's in a unique situation where both units are vacant.

I am in an interesting situation where I am in need of money to finish renovations on my primary residence.

Apartments paid it out and came after me about it.Fortunately the tenant wasn't a huge problem and paid it back on the 1st (i told apartments they could just wait and get over it), but I could easily see it could have ended up more like your situation.

I could otherwise start with rent-to-rent given my cash situation, but this seems like a very inefficient way of doing things.

My somewhat unique situation is that I have low reported income due to the structure of my investment accounts, yet I have access to meaningful capital.

I know there are many others in the same situation.