So thepointsguy calculator would suggest that you still use the credit card at 2.5%.  

It’s worth exploring credit unions or lenders specializing in non-W-2 borrowers.

I am betting you didn't put this (or the other ones) home on the market to then become the bank for someone who only has a couple thousand down and no credit instead of selling to a verified buyer, right?

Now I aim for bigger and better, I want to buy a home FOR airbnb but I still want to simultaneously still do airbnb arbitrage, the benefits are just too great at the moment and to be honest a lot of the money profit wise I just have been utilizing to put back into the business and further expanding, paying off business line of credit and such.

Make sure you have the right property insurance while the property is being worked on and an investor friendly lender or local credit union can help you refinance or get a HELOC.To Your Success!

I am currently looking for a small local bank or credit union that issues lines of credit collateralized with investment property.

Our only debts are a 2.875% mortgage with a balance of $124k only paying $897/month on an appraised value of $325k, daily driver car of $370/month, and use a credit card for monthly expenses, but pay the balance off with every pay check.

Faced with the same problem I had to begin with, credit scores aren't great and don't have a qualifying cosigner for any type of traditional loan, mortgage or any type of equity refinance or HELOC, right now at this moment.

Choose a location with low-cost homeowners insurance because they have the lowest risk of natural disasters: Insurance - ValuePenguinIf you follow the above process, you will now have a short list of potential cities that are very likely to appreciate much faster than others due to their strong fundamentals.

They can choose to leave and you can both sign an agreement to terminate the tenancy, or, you are going to file for eviction and it will probably wreck their credit.