While 20% down improves cash flow by eliminating PMI, it delays entry into the market, potentially missing appreciation.

My challenge is that the equity is siloed in a high number of properties which complicates our ability to draw against it and leverage that for operational and investment purposes.Do you all know of banks willing to work with investors and able to underwrite at the portfolio level, rather than having to apply for and open HELOCs on a per-property basis?

A good broker remains transparent throughout the process, providing regular updates on loan applications, lender responses, and any emerging challenges.

Challenges?

We got bank financing for the land purchase and contributed (almost) enough cash to complete the improvements.

@Paul Bogard going to assume you are buying this proeprty to live in while you "house hack".First, you should understand +95% of real estate agents ONLY know how to sell owner-occupied properties and are almost useless for investors:(Find an agent that has rental properties themself or can PROVE they've got successful repeat investor clients.Secondly, you can greatly improve your cashflow by renting out your other bedrooms.

The price was low in 2014, today that same price is riduculously low, and the buyers in 2014 improved the property tremendously and recently re-sold for $230,000, good for them! 

Labor shortages have hit that industry just like everything else, so finding reliable, trustworthy, quality cleaners is a challenge everyone is facing.

It's challenging to distinguish between genuine advice and potential scams in the vast sea of information available online.

If I were to go this route I would clearly identify each of these risks individually, understand how the Govt would potentially challenge each of them and then assess in your particular fact pattern how you would effectively rebut a challenge to each.