Barring a convincing argument, I'd recommend you forgo the points and take a slightly higher rate.

"Winners focus on winning, losers focus on winners" - Conor McGregor"The graveyard is the richest place on earth, because it is here that you will find all the hopes and dreams that were never fulfilled, the books that were never written, the songs that were never sung, the inventions that were never shared, the cures that were never discovered, all because someone was too afraid to take that first step, keep with the problem, or determined to carry out their dream." - Les Brown 

I think you mean to save "Composite" return instead of "Consolidated"Composite when dealing with a real estate fund may be a bad idea because you can potentially be forgoing all the suspended losses and therefore paying tax on the net gain at the end without factoring in past losses.How much is your CPA charging for each additional state return to be filed?

Do the math first, and then come back and comment.A heloc can work in part because some people forgo an emergency fund, so instead of keeping a few grand in a savings account somewhere for a rainy day earning 0.01% interest, they can immediately put this extra money towards the principal of the mortgage, and if they get in financial trouble they can temporarily borrow against the heloc. 

So, your “opportunity” cost of forgoing that investment to make a down payment is $15k per year.  

Who's Stopping Me by Big SeanThis song (and actually a lot of Big Sean songs) motivate the hell out of me!

Should i go for SBA 7a loan and have the lean on my house and get 100% financing and have the liquidity available for other deals as they arise or should i take the conventional loan a forgo a lean on my property.

I had one curse me out for going with a different lender after he gave me a quote...especially if its on the commercial side, be careful who you do business with.

I might see what the coverage would cost for your designation out of curiosity, but if I didn't have too much into the property I would forgo it myself.

My application has said approved for going on 3 weeks now has anyone else had theirs sit for this long?