Show Your Financials: Provide documentation of your personal finances, including income, credit score, and any other properties you own.

All of those, including permanent life insurances have their place in a personal portfolio but some people believe that because one specific product does not make sense in their personal situation that it should never be used by others.I am using credit card debt for some of my investments.

does anyone know of a credit union, or private lender who does cash out refinance on lots of land??

The market of bank real estate asset wholeselling for example is very closed to a select few companies that invest millions of dollars, but when you see that big names like credit suisse invested over 150 million euros last year with one local bank's properties you have to wonder why these guys are puting so many eggs in this basket. 

As an investor, your credit is  absolutely the most important tool you have. 

As of right now, the rate is at 9.6% with 0.125 lender credit with us.

Get a business line of credit for a single family home owned under our LLC.

CA taxes residents on worldwide income but may provide a credit for taxes paid to other states.

But California also has pretty onerous land-use regulations that limit supply, and there’s been a lot less financial distress than people were expecting, with one of the lowest loan-to-value ratios on outstanding mortgages in the country.

You can also refinance again later to pull out more cash if the equity increases.HELOC (Home Equity Line of Credit): This would allow you to take out $20k as needed while keeping the current mortgage in place.