I wish I had been better with money earlier - I had a lot of debt which I refinanced to pay off, otherwise the mortgage would be so low now that it would cash flow easily!

Strongly recommend you get pre-qualified for the Refinancing before purchasing a property. 

My guess is the two numbers under debt coverage relate to 1: the first purchase loan, then 2: the refinanced loan.Do you have a Lender who'll let you borrow 100% initially?

Yes refinancing is what I am asking about.

I have started an LLC and currently, have 1 property while in the middle of buying another.On the current property,     1) 30-year loan that was refinanced to pull equity and purchase the 2nd place.    2)  replace the heating and air in my current property. 

I remember calling Citibank during that time asking about refinancing a 3-family and they said, "we're not doing any refinances at this time" and hung up on me.If you had the cash or could find a lender, of course properties that were cash flowing were still good.

HELOCs and refinancing options. 

Let's break down what the BRRRR method is.B = BuyR = RenovateR= RentR = RefinanceR= RepeatThis method only works when you are able increase the value.

I personally prefer a HELOC over a cashout refinancing. 

But, I'm having trouble refinancing the 4plex.