Heres some common structures:5-4-3-2-1 - Stepdown (5%,4%,3%,2%,1%)Flat PPP - 5 year PPP and there is a 5% hit in fees at any point in time within the 60monthsAbbreviated PPP - 6 months of interest payments on 80% of the balance at closing.It's all different... just shop it out and choose a dscr broker who has the knowledge to help you make an educated decision.

Competent sponsor, capital call large enough to completely escape existing toxic loan with cash-in refinance to a lower-balance loan with a long maturity—good outcome possible, even probable, if there is no other “hot money” in the deal such as preferred equity or priority share classes.There are surely other nuances I’ve missed here, but this is a start. 

One of the requests was that I get an official invoice for any outstanding balance for each property.

A HELOC can work for this, but keep in mind it has a variable rate, so it isn't the best product for keeping a balance long term. 

These relationships, if cultivated properly, will allow your borrowing to outpace your balance sheet.

I am a Realtor and have a seller that has an assumable loan, but that still leaves $300K between the balance and the sales price.

In a simplistic metaphor, the FED needs to balance out the health of the economy with inflation.

@John Kunick, Thank you for sharing the article The Pros and Cons of Rent Control for Landlords and Tenants and your balanced perspective on rent control.

However as a wholesaler, there are those of us who take pride in providing a well balanced deal where all parties involved are happy.

It is figuring out what your capital needs are and what your short and long-term goals are, then matching your debt strategy to balance those goals and capital needs.