Add outdoor security cameras (just let guests know they’re there) and maybe some motion-sensor lights for extra safety.

or have you found various creative solutions to secure favorable terms?

Finally, be open to slightly remote locations with better cash flow potential over high-appreciation markets.If you’d like help analyzing properties or securing financing, let me know I’d be happy to assist.Best,Drago

Security deposit amountYou can find plenty of examples by searching for "tenant estoppel certificate doc" or exchanging "doc" with "pdf" for more options.Here is an example and explanation: Sample EstoppelSome have a lot of legal jargon but this document does not need to be so detailed.

Also HELOC's typically have lower interest rates than personal loans since it is secured by your home.

That's more like a typical security deposit to rent an apartment, lol. 

Quote from @Stetson Oates: The vast majority of disputes are over security deposits and the most a landlord could lose is 3x the deposit amount.Slip-and-fall or other major lawsuits almost never happen.

I did not read the rules around security deposits. you may be allowed to use those funds and still file a small claims action for any remainder, but I can't imagine that it would be worth it if you have at least one month's rent in security deposit. 

Quote from @Gary Bonds: Any best practices when attempting to secure business funding from a bank, in the form of a loan or credit?

With the large down payment, you’ll likely have built up enough equity to secure better terms.