Thanks @Don Konipol, but I can’t take all the credit here.

On the flip side, if you've got a bunch of Section 8 tenants living in a building that's in a neighborhood where a lot of the tenant base has good jobs, high credit scores, and are generally reliable people, you've got the most risky tenants in that tenant base and that ain't what ya want.

I specialize in STR/MTR and I have managed a few in Oceanside.

Read some other comments - I guess it is technically a cash out refi, but you're paying off a line of credit as opposed to putting the cash in your pocket which is what I typically think of when there is a 'cash out refi'.

I’ve read quite a few posts about foreign investor financing but most seem to deal with non-citizen investors without US credit or personal tax filings.

I'm just buying my time and making some connections while I build my credit history again - worst part about moving country haha!

US credit (some lenders may require 1 or 2 credit scores to qualify you).

Credit!

Any good recommendations for the collection agency or any way to get the money back from the tenant or any way to report it to the credit bureau?

I agree local banks and credit unions will be better if you're planning on growing your portfolio.