I know for me I can see a clear difference in my productivity throughout the day based on if I worked out or not. 

I recently went to my personal bank (the one that I have the HELOC from,) looking to refi my existing HELOC with the idea that I could reduce the rate a bit, and increase the monies available at the same time, giving me more capital to work with for future purchases.For the first time in my life, I was declined. 

Some banks/lender will decline the loan due to their own specific overlays. 

I would love to hear what some of your favorite or go to products are for a rental property...Specifically would love to know the following...   

Now I'm stuck with materials but no finished product.

Before entering this heavily competitive space, I am in search of advise from anyone willing to expose what they may have done different starting out, or what processes have proven to be a productive source of business.

Yeah there are DSCR products available for these big multi units.

Is there a product or a bank/credit union that would be able to give us the home equity loan or line of credit against the SFH's we own?

The  suburbs of Cleveland don't see much by the way of new development, so we're looking for a unique product that offers residents attractive rents and a comprehensive amenity package. 

Thanks all for the help - went with the architect with a great final result and product and they took care of stamps and all requirements.