Your personal loan has a 5 year balloon period.  

It is not your credit score but generally better credit will result in a better score- Time at your job- Education level- time at current residenceGood Luck & feel free to PM me if you have any questions. 

can anyone you know in person vouch for this lender? 

this is basically the business credit coaching partner that works with you over the course of 12 mos. to help you build up business credit for your company. 

With the equity you’d free up, paying off $50k in personal debt and boosting your credit score while freeing up $3k/month sounds like it could significantly lower your stress and open doors for future projects.That said, selling means you’d lose a cash-flowing asset, even if it’s not huge.

DSCR loans are based off of down payment, credit score and either actual or market rents so it helps to supercharge an investor's real estate goals and net worth.

Would a HELOC or home equity loan on my personal home be a good idea to fund this?  

Either way if you personally guaranteed the note, yes it will affect your personal credit no matter who the property is titled to.

This will allow you to remove the person and do the financing on your own.Home Equity Loan/Line of Credit: Since you're looking to access equity, a home equity loan or line of credit (HELOC) can be a good option.

The interest rate on a HELOC or Heloan may be better than the personal loan.