I tried getting heloc from my large bank, However I was denied due to my income. if you can't get the credit lines for some reason from your bank then they have resources for that, even their own cpa you can use for a fee.

You would either need to sell and pay commissions, closings costs and maybe tax on some proceeds OR you would need to pay fees and closings costs to refinance.

Never pay upfront origination fees. 

Even with a 25% fee, you're cash flowing better than a long term rental, so the fee should not deter anyone! 

The assignment fees then enabled me to roll into other strategies, buy and hold, fix and flip.  

If the developer doesn't deliver on time, there's usually a grace period and then there can be (hefty) penalties.

I do not want sales agents in my market to believe I am expecting a fee each time I purchase a property and go out of my way to make it known to the broker community that they will represent me and collect their fee if they bring me a deal.

Lawyers, engineer, architect, expeditor, surveyors, etc pile on the fees quickly. 

I usually try to work things out with people, saves a lot of attorney fees and makes for a better life.

Closing fees won't be any different if they are 4 seperate fee simple properties.