I am strictly looking for a Portfolio or Community lender.

it's not co-mingling if you are just using it strictly for business and paying it out of the business account.And if you do make purchases for personal stuff, just record it as a due from owner and then you reimburse back.I mean it is easier for me to understand it because I am an accountant. lol

There are HELOCs you can get, they are just much more strict about them now.

The STR can possibly be more cash flow but depending on the market it's getting more and more strict every year with that.

We prefer tenants to realize this is strictly for damages and not to be confused with last months rent at move out. 

For example, if I need a tub surround replaced, they get paid $125 (I supply all materials, so it's strictly labor).  

You can still tap into equity of your principle residence needed through a second mortgage or in some cases financing strictly based on the investment property itself. 

Income, employment and DTI would be factors with an owner occupied loan, so if you think you might have issues qualifying, making it strictly an investment property may be your best bet.

In most states (or all) hard money lenders won't lend on owner occupied properties because they fall under far more strict regulations.

One of the things that makes us so great is that we have extremely strict rules about advertising.