Conventional loan, 20% down non-owner occupied.

The interest rate on a HELOC or Heloan may be better than the personal loan. 

You will make more from loan pay down, yes you SHOULD have some appreciation.

Possibly using mortgage/home equity loan on one unit we own to buy an extra one.3.

Now my investor network as expanded and the best split I have experienced was 65/35 in my favor but I invested 40% of the cash and created over a million in imputed equity before any investor dollar was raised allowing me to originate a bank loan at 87% LTC.

Did you use a hard money loan for this? 

Fannie/Freddie (Conventional) loans aren't just about rate and transfer taxes. 

Please, no solicitations.Use the renovation/acquisition loan products that require 10% down on the purchase and you should be able to get a few going at a time.

In the program, it appears that you offer a Pre-Loan Application-- perhaps this is how the program is legal?

For instance if this is a $10M portfolio that's levered with loans totaling $9.1M, there's no equity that can be pulled but if this is a $1M portfolio with $100K of debt, its a different story.