In exchange for less documentation, the HML charges a higher interest rate 

Annual fee $25.PenFed - max 3 other properties, 89% LTV Regions- yes HELOC but no LOC SCCU Florida 70% LTV, 6.25% interest only, not LLC Sound CU "non-owner occupied HELOC, capped at $150K and interest rates are prime + 2%, 3% or 4%, based on credit, not to exceed 70% ltv.”TD Bank TIAA Direct was EverBank Tower FCU, all states except TX, max 45 DTI, green card ok.

Quote from @Jonathan Blanco: Is it worth seeking lenders with $0 lender fees (such as origination, processing and underwriting fees) or do they just get that money by increasing rates and charging higher points?

The northland MAREI meeting and the main monthly meeting at MAREI have a minimal fee, or for $99 a year you can attend all of them for no extra charge - northland is in person, the main meeting is still online, both are great ways to connect and learn. 

Since these accounts are in the business name, they don’t affect DTI, making it easier to secure additional funding.How fast you're looking to scale will determine the best approach—some investors go the business credit card stacking route for quick access to $150K+, while others secure business lines of credit for more flexibility.

We also charge a $45 late fee on the 6th along with a $25 notice posting fee.

If you have a credit card with a high limit or a line of credit on the existing duplex that might give you some wiggle room.

The one wild card is what healthcare will cost us in retirement, especially if we retire early. 

With your experience and possible skillset, perhaps finding a company to sponsor you for a green card may be a better option? 

Should We:Sell, take advantage of the capital gains law, move, and pay the mortgage off on the new house, credit cards, etc…?