INstead of just saying "no" we asked them to check with their credit card company if they offer travel insurance yada yada.. we got a 5 star review form them without giving a refund.

I have gotten a seller's credit for my 3 existing units but to be conservative, I will assume I am paying full closing costs here.At the moment, I have ~$25k in a HYSA and expect to save another $10k from my W-2 before I start putting offers in.

Any local bank that does this kind of financing should be able to approve you as long as you have a good enough credit score and never declared BK.

All that said, we just met them in the middle and gave them the credit because we wanted it to be over.

I would definitely check Dunn and Bradstreet for any open lines of credit, liens, judgements and the like. 

It is a house of card that has collapsed on 2008-09-10 and 11 and now it is starting to happen again.

A business line of credit through your LLC protects personal assets, builds business credit, and may allow interest deductions, but it might be harder to secure for a new LLC.

Relatively small amounts of interest income ($1600+ per year) is the highest taxed form of income I have found if you have kids at home.After earning a few grand in interest, It takes away my child tax credits and gives me an effective tax rate of 70%.   

It is easy for people to download fake W2s, ESA paperwork, etc, with a few mouse clicks and a credit card. 

If I have several options, I would prefer a HELOC with no initial draw requirements (i.e. to establish a literal line of credit that I have no specific short term plans to use), i.e. not something like the better.com HELOC.