EDIT - 700lb weight limit.

The card has less mechanical fixes, but more usage fixes and costs more, but I think does better long-term since they can load the amount they want.I also agree with @Luan Oliveira in that the best thing that you can do in any small multi is to set laundry days in advance, every other day.

I dont have to lead gen (propstream), skip etc, up load to some SMS tool.   

In addition to joining the seller to the buyer at the hip for several years/decades when the seller wants a clean break, the properly-discounted, risk-weighted, money to be received by the seller is less than the immediate sale price.

Plus it's hard to say without seeing your full debt load, but even if they are giving you 75% of each property to offset PITI for each property (if they're not on your Tax Returns), they still might not be calculating things correctly from what it sounds like.  

If there is no problem then the HELOC will provide more flexibility since the cash out re-fi may yield more proceeds after improvements when applying the 70 or 80% LTV limit whereas you might get improvement proceeds from an investment loan but you won't want to because there will be a lot of red tape, inspections, draws, lien waiver compliance and a lot of other crap they load onto improvement loans on investment property.

No need for a van load of guys to have to knock it out in a day.

Because they have found it a time suck, a brain drain, stress factory that takes away from everything else in there life including scaling and to time leverage is worth it's weight in gold. 

This is a loaded question.

However, paying off the loan would reduce your debt load, simplify things for your family in the long run, and remove any restrictions the SBA loan may impose, particularly around building the new units.