Use excess funds for HML.

1st guy to run out of nasty toilets looses?

And other half x-girlfriend looses her share?

But at the price you are paying you don't have much to loose and if all goes well you'll have an excellent return on your investment.

If you are not - it's not cheaper, it's a HUGE brain damage, + assembly will take time (days, sometimes a week) so you'll be loosing money because the property is not on the market. 

I have used refinance by choice in recent times (fixed rate versus variable rate but typically the refinance loan has a higher cost) but maybe 5 years ago I looked for institutes that would provide an ELOC on non-owner occupied RE and I found a few but in excess of 90% did not offer the ELOC on non-owner occupied RE. 

I learned a lot from those meetings, but I was scared off by the fast-and-loose practices.

Thanks @Dmitriy Fomichenko, @Justin Windham, and @Carl Fischer.Sorry Dmitriy what I meant by loosing their shirts was by doing something wrong according to the IRS or loosing money due to being penalized by the IRS, I could have stated it much better.  

I would start looking today, deals don't often pop up for your first time so if you think you'll be ready in Jan then chances are it'll take a few months after to actually get a deal.And finally something I did a little but not too excessively: reverse engineer. 

My guess is that you can find an Excess (aka Surplus) lines carrier for the Vacant building and the Liability.