As far as financing what would be a good loan?  

We continue to see slight upticks in defaulted loans and loans in bankruptcy.

So the only money out of pocket is any closing costs that don't get worked into a new loan.

For financing, there are programs like FHA loans for first-time buyers, and there may be local or state-level programs offering incentives for affordable housing investments.

I went from a 15 year loan to a 30 year loan, locked in my interest rate at 2.85%, pulled out $111K in equity, and lowed my monthly mortgage by $20 per month. 

They provide lines of 0% credit with an 8% fee, hard money and DSCR loans among others. https://www.rammfinancial.com/Thoughts?

That is part of the problem with a lot of companies (I am not knocking insula as dont have all the info/facts just stating how the business works), they engage brokers to get them loans and the brokers collect a small fee. unfortunately many of the brokers may be similar to real estate wholesalers - have little to no experience. 

I plan to utilize some cash, margin loan, 401k loan, and a HELOC as a down payment.My first house hack (now an out of state investment) has a Zestimate of $530K, and I have $266K left on the loan.

Below, I outline several incidents that demonstrate the importance of vigilance in this industry.Incident 1: Noble Capital LoansNoble Capital Loans presented itself as a Georgia-based corporation with favorable loan terms.

Often, I am not able to keep all of my ira funds invested in active loans so I would like to be able to keep the money that is not invested in loans in a liquid "money market" type of fund on a temporary basis.