These two programs allow for an LLC refinance from hard money with no due on sale clause issues. 

I do not have the 25% for down payment.I will offer 20k for 5 years of interest, refinance at year 5 to return the down and an additional 50k bonus.Thanks in advance.

If you build your own, you can continually improve and refine it as needed.

If I were to refinance (which would be impossible as you stated), it would be even more difficult to cash flow. 

The other important item to consider is keeping your Credit score above 680, this gives you the opportunity to refinance without tax returns into a 30 year fixed rate Rental Loan, or DSCR Loan. 

You could also explore using a home equity line of credit (HELOC) or a cash-out refinance to tap into the $100k equity and use that capital to invest in additional properties, all while keeping the current home as an asset.

Other options such as seller financing, hard money loans and commercial loans that I have looked into all seem to require a balloon payment of sorts which I am not convinced I'd be able to refinance it for the balloon payment being that it has shown difficult to get a loan on it as it is now. 

Located in NJ.Is there a way to refinance my rental property from my residential loan into an LLC?

You don't need to know everything to get started; you need a foundation to build on, and the rest will come through experience and then refining your education.You can build a basic understanding of investing in 3-6 months.

by the way how did the refinance go?