Yes this is a Refi on a commercial property with additional large cash out included for sole purpose of reinvesting into another property, as well as a large operating line of credit in addition to the Refi is included.

He can extend an additional loan to the borrower, especially if the borrower has additional collateral to put up.  

So for the dollar amount, returns, and additional risk I decided to just focus more on my day job.

Additionally, transferring properties into a trust for estate planning purposes is possible if needed.To maximize your leverage, I recommend exploring multiple DSCR lenders for better terms and working with a real estate attorney to structure your LLCs for both protection and lender compliance.Let me know if you’d like more details or assistance with financing!

Alternatively, using part of those funds to pay your current mortgage might help create additional borrowing room.

I believe I can qualify for the HELOC on my own, saving my wife with additional debt ( when used) on her credit.Is there anything to think about if I apply to the HELOC solo?

Additionally, asking me to disprove your assumption doesn’t seem logical.

I would think any cashout refinance would accomplish your goals on this one.  

Do you have other properties that are paid off or could be part of the loan to provide that additional equity to the bank?

Doing this will accomplish:1) Show to your boss, so he better understands what you do and how valuable you are2) You can create some training guides3) This is actually #1 - figure out more efficient ways to do things!