I have seen it but its very short term and you are still going to need considerable funds to refinance out (6-9 months reserve etc.).

I ended up having to get a state fund work comp policy for $5000 which I think is the minimum amount regardless of scope.

Don't talk yourself into a place because of personal use.Buying a $475k condo that brings in 35k in gross rental income will lose a lot of money.

@Bhushan Shinkre  I am wondering if the fund removal can be reported as credit card fraud.

And not even posts where users give me and/or BiggerPockets negative feedback, no matter how much I do not like the posts, or how untruthful I personally feel them to be.

By my math you would be around that 75% range inluding the funds you need.

I also don't lend in PA, but you might find someone that would fund this with their IRA, assuming it's a stable deal.

A cash-out refi could allow you to set aside some funds as a reserve or at least pay down your debts so that your lines of credit (credit cards etc) can act as your emergency reserve when more bad things happen. 

Beg family and friends to fund it for you.They "might" do it if they see you've learned a lot and your business plan sounds very solid.How do I know this "might" work?

I'm now realizing that in the state of South Carolina, the tax rate jumps 2% for rental properties to help fund public schools, a $600/mo cost that I didn't account for when using the calculators in the earlier stages.