Required good credit, adequate reserves, full doc commercial loan with a personal guarantee.  

So, that usually means the investor is working with their own cash or a hard money loan. 2.

I can go Home Equity Loan route: HEL would equate to roughly a $600 monthly payment (dependent on rates).

Not a dumb question at all, but getting a $100K loan with no track record is difficult.

Since you'll be owner-occupying, take advantage of low down payment loans like FHA (3.5%), Conventional (5%), VA (0%), or a 203k loan for renovations.

I have looked into hard money loans but they are all for investors.

The counterclaim states that since the deed in lieu language was part of the loan, the entire loan is invalid.

Your contractor should provide you with a schedule, they should provide frequent updates, they should keep you informed on delays.

Quote from @Eli Ling: You are losing over $160 a month or $1,920 a year by keeping a tenant who can barely afford the reduced rent, and he complains even though you provide pest service.

My pre conceived notion was that 80 was sufficient @Tyler Garza With respect to DSCR loans, the LTV is only one factor that lenders consider when underwriting a loan.