Lending is tough, you need to know the market you're lending in, usually you want to have an understanding of credit-risk and be able to pull credit and run background to get a better read on your borrower.

I bank with Navy Federal Credit Union, and they have a great 20 year interest only HELOC option in which I could utilize my substantial home equity.

Investment Info:

Retail commercial investment investment.

Purchase price: $250,000

Cash invested: $88,000

Commercial flex space. This vacant property was purchased under market value and needed a lit...

CA taxes residents on worldwide income but may provide a credit for taxes paid to other states.

As a generic advice:  I would recommend paying off any credit card debt, or high loans. 

@Jaycee Greene I met with the credit union and waiting on an appraisal but pretty certain I'll access to around $80K @ 8%.

If you want me to give you a quote, I'd need to know the address, 1st lien details (type of loan, balance, interest rate), credit score, income/DTI details, and target LTV (can go up to 80% CLTV on the 4plex). 

That same idea will typically apply to other types of credit.

Since the property is free and clear, you might consider reaching out to local banks or credit unions, as they often have more flexibility for smaller loans.

Dedicate one checking account and credit card exclusively to real estate.