This would allow you to access some cash for other purposes ( Tax Free) because a refinance is not a taxable event.

Contrary to most business lending, the REI industry has a lot of "non-bank" lenders that provide attractive loans that can lower your cost of capital and improve your profit/cash flow. 

And, perhaps most importantly, make sure you have access to flexible financing options that can help you adapt to new market conditions.

If there is minor rehab (such as painting and cosmetic improvements) you can still close on a DSCR loan, however it may affect your appraised value, which could also affect your market rent if its a vacant property.

A property manager may be a hard egg to crack but once cracked (built trust or relationship), they can open many doors since they can be your advocate and have access to many homes.this is the case with apartment complexes.   

Prepare financially by saving for down payments, improving your credit score, and setting aside emergency reserves.

Accessible through a link in his Linked in profile is the Emergency Business Relief( Link ), which claims to have recovered “over $300 million for clients,” through various Covid-19 and other government programs.

If you can access the wall cavity, adding rock wool (mineral wool) insulation will make a big impact by reducing vibrations and sound transfer. 

HELOC Basics:A revolving credit line secured by your home’s equityLow interest rates, but often variableDraw period (5-10 years) → Repayment period (10-20 years)✅ Pros: Lower interest than other loans, flexible access to funds, potential tax benefits⚠ Cons: Home is collateral, payments may increase, short repayment termWhen It Makes Sense:The rental property cash flows enough to cover HELOC paymentsYou borrow conservatively (avoid over-leveraging)You have a backup plan in case of market shiftsSafer Alternatives:Save a larger down paymentConsider seller financingPartner with another investorFinal ThoughtsWith your timeline set for November 2025, take time to research markets, build connections, and plan financing wisely.📌 Key Takeaways:Out-of-state investing can work but requires a solid local team.Use online tools like BiggerPockets, Rentometer, and Roofstock for analysis.A HELOC can help, but be mindful of risks and repayment terms.

You could put most of your funds in the stock market and access them when needed for a HML.