Quote from @Paige Seeley: @Jay Hurst even with 20% down, what non conventional options are you talking about? 

@Zara Massoud a PMC has two options to get liability insurance (tenant slip & fall) protection:1) Get added to owner's policy as Additionally Insured (NOT named insured).2) Setup a master commercial policy and add every property they manage to it and then charge those owners the cost of the policy.Otherwise, a PMC CANNOT get liability coverage on a property they have no ownership interest in.So, nothing wrong with their request.

Like Jay said, there can be more flexibility in repayment options. 

With my $1,100 monthly revenue, my 700 FICO, and my (likely) $55,000 in equity - what kind of options would I have to refi.?  

There are a lot of options out there.Some of the most useful items BiggerPockets members have identified are features that save time so they can spend time working on their next property.

Otherwise, I recommend option two, using a personal loan.

If that's what you're really after I would start with the basics of what kind of bank loans either residential or commercial are available to you - not saying this is the best option, but it's a good place to start.

Investors are already on board with the options weve got, just shopping for the best option.

You aren’t owners with lease options.

Also, I am considering alternative financing options (beyond Hard Money).