And I am doing CD's not LWO's which the #'s with LWO's are even lower close rate than CD's.

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

The flat fee buyer agency fee reduces the amount of the buyer credit/refund, generally by $6,000 (although options range from $999 to $8999, depending on how much help the buyer wants from the agent).

Rates will at some point allow you to refinance.  

Hello All, I have a client asking if they could buy a portfolio of 5 properties (at a "packaged deal" rate) and sell off two of them to recoup some of the initial down money needed to buy them. 

You didn't mention the interest rates but 3 years ago, I am going to assume it was much better than it is now.

Airbnb and VRBO are popular platforms, and corporate rentals or mid-term rentals like on Furnished Finder could also be an option depending on demand.

Airbnb rental arbitrage can work, but it depends.

The carrier rating for the policy you purchased is AM Best rated A-. 

Quote from @Arvand Sabetian: Depends on your unit and size.