Most of our clients raise capital as equity vs debt, but both are done.

However, I also have ways for them to pay with cash, card, money order, cashiers check, and personal check.

Cash out refinances are also an option it just depends what debt you have currently and if it makes sense to pull that out.

In my case I sold off appreciated properties in a location I deemed as having limited future upside, and used the proceeds to eliminate all debt on the better located prime properties I wanted to keep long term.

The wild card is RISK.... if you pay off your primary, there is no risk Use it to buy rentals or other investments, comes with some risk.

OR refi one at 70% and get the 45k loan leaving some debt on the line of credit but keeping home 3 free and clear and adding a lot of value to it as well as getting some really good rental income from it.

The total deal with debt was above $10M but the total equity in the deal was around $4M. 

- Our goal: Learn the ropes and eventually build a portfolio.Looking to connect:- Are you a non-US citizen/ non-green card holder investing in the US?

They also want a priority lien on the property.It sounds like you are looking for someone to fund your down payment, I would be looking for an equity partner over debt as nobody likes to lend money in insecure positions, especially when a borrower lacks skin in the game.How much are you planning to come in with yourself?

That's a house of cards ready to fall down fast.