I have a full time job so I have limited hours to develop and support a fully fleshed out marketing campaign.

Those companies often advertise larger amounts of LOC available but are more often limited to newer borrowers. 

Now you can grow and limit your use of debt but you are severely hamstringing yourself.

We had very limited options within in house products. 

Jeremy,The difference in the cost is probably reflective of a difference in coverage or limits. 

The location I am looking in is in a low income census tract so there is no income limit.

I have a kitchen with a few upper cabinet shelf boards missing.

I am not interested in traditional bank financing since it does not line up with how I plan to expand or how I've met with my limited success so far.Quadplex is assessed at $275,000 and I collect $3,200 a month in rent.

I always want it in place so I know what the terms and amount limit will be (75% LTV/up to $$$$).  

You should only leverage to the point where the investment can still create cashflow even in a down market....for those with limited capital to invest...not leveraging available cash diminishes opportunity to build additional wealth.