You verify the lender actually owns the loan and does not have any leverage elsewhere on it.3.

Getting a commercial loan won't free up your DTI since you would be a PG on the loan.

Non-conforming/portfolio loans, which aren’t conventional loans, will allow as little as 20% down. 

Here you would continue to find borrowers and fund loans with your own money.

Consider FHA loans for lower down payments and reserve for repairs or upgrades.

I know someone recently who had a NY loan and they could not find a servicer to touch it because it was being self serviced - so they had no way of selling it as no investor would take on that risk.The other concern is usury laws.

They can get a loan from the solar company, but would prefer a HELOAN or HELOC to cover the solar and consolidate.

I'm excited for the opportunity to be apart of the community with BP, I reside in the state of Virginia and started my investment journey many years ago at 22 doing fix and flips, I stopped when the market crashed in 2007/2008 and didn't like the way the market looked and I left the investing world, I became a mortgage loan officer, and then processor and later underwriter and learned the backend of the conventional lending world.

If it's in your name you can look into the potential for a HELOC or potentially refinance to pull out some of the equity you've created, but you'll need to do the math to see if you're payments will increase based on the new loan terms.

If it is for liability protection, keep in mind to actually limit your liability means that any loans and insurance for the property need to properly be in the name of the LLC and not your personally.