Our mortgage is our only debt.

Unseen, I take the helm at night,Assuming debts without the light.The creditor remains unaware,That obligations shift elsewhere.A stealthy move beneath the moon,What method makes the shadows swoon?"

You could explore a home equity line of credit (HELOC).Just have to be careful to NOT get in over your head in debt and go bust!

I furnished them from estate sales and local furniture shops, and the furniture/sheets/towels become damaged over time and need some care.I have a PM manage the remote houses, and they cash flow just fine, the PM handles issues that come up, and they paid off the debt on them once.  

If it was unforeseen medical debt, and you've made progress in straightening things out, you might find a private lender to work with you for an eye-wateringly high interest rate.

@Sean ConroyThe cost of building is not going to go down, unless you're looking at the debt component.

Whether you decide to rent your current home and move or buy an investment property to rent or flip, having the right financing strategy will be key to making sure your deals are profitable and sustainable.Here are a few loan options that might help based on your strategy:DSCR Loans (Debt Service Coverage Ratio) – If you're looking to buy a rental property, this could be a great option.

I am a division one soccer player and have been blessed to be done with my last years with no debt.

There are obviously other metrics that have to be met, such as the gross monthly rent has to be equal to greater than the total principal, interest, taxes, and insurance; that is the debt service coverage ratio (DSCR).

If you want to be conservative, stay around 50%-60% LTV, especially if your cost of debt is lower than your cap rate, as this will lever your ROE.