Wow, it sounds like you guys stumbled into quite a mess :-/  Trying to lower your rates seems very attractive, but I have a hard time recommending rolling consumer debt into a 30 year loan... 

Additionally, my credit history is fairly young (although good, between 720 -770 depending on where I look) since I only moved to the US three years ago, I have no consumer-, student-, or car-debt, 100% payment history and no derogatory marks, but the Banks I inquired at either don't have LOC for investment properties at all, or my income is considered to low on paper, and I am trying to access some of the equity sittingThanks in advance for taking the time to answer if you can help!

HelloI am currently finishing my MBA which consumes all my time.

If this isn't something they offer it's a great add on service that is relatively straightforward, although time consuming, to learn and perform.

Stay away from credit cards, and don't take on any consumer debt.

Bank financing a rehab project via conforming mortgage is VERY TIME CONSUMING AND FRUSTRATING.

RE investing is very time consuming looking up properties online, going to view them and their neighborhoods, having the inspections (often times many different inspections) done, finding a good realtor that is familiar with investment property, finding a bank to work with, getting all the needed paperwork to the bank, finding insurance agents, finding a good property manager, etc.

Hello BiggerPockets Family,Whether you are a smaller (or larger) property management company, a self-managing multifamily developer, or a sponsor/syndicator - Property Accounting can oftentimes become a significant cost and consumer of otherwise revenue-generating time.My question is, how do you feel and what do you think about outsourcing your property accounting?

I have mailed in the past using a local printer but the process is cumbersome and time consuming.

True, refinancing cash out will be more time consuming and costly and will raise your overall interest rate on your first lien position.