On commercial loans, it is not uncommon to see 25 year terms or balloons in 5-10 years.  

So my other options were to use my good credit but of course all of the loans want to use my personal credit and impact my debt-to-income.

Start working on your credit score and research financing options, including FHA or conventional loans.

Great tools that get updated regularly.I am on the lending side of things and would be happy to hop on a call with you anytime to discuss financial strategies and help answer any questions you may have about nearly any loan product available to help you on your journey, even if they are not products my capital partners offer. 

After 30 months I will have paid the loan down a little, forced appreciation, might have a little market appreciation and hopefully interest rates are lower in 30 months then they are now.

Great tools that get updated regularly.I am on the lending side of things and would be happy to hop on a call with you anytime to discuss financial strategies and help answer any questions you may have about nearly any loan product available to help you on your journey, even if they are not products my capital partners offer.We are all here to help you learn and grow.

Guys, any sites or lists to find an SBA loan broker to help me with the possible purchase of a business?

You have to think about a HELOC for what it is also, a second loan on your primary residence.

After reviewing the cost to rehab and the area of town, I decided to Wholesale for a quick profit.Sold it on a Real Estate Contract (Owner Financing) with $100k down, the balance is financed at 10% for 13 months, then the loan is called.

Sounds like they have a back door deal where the lender or loan officer and builder or realtor all benefit from using each other (which is illegal).