You have to use Trane or American Standard products for the most part. 

A lot of our product is inside city limits.

The better comparison when evaluating what to invest a tax-sheltered retirement plan into is what else the plan could be investing in, and where you can find the best overall mix of security and income production.  

Commercial real estate is kind of like investing in a buggy whip factory when the automobile is going into mass production.

However, these are of course for non-owner occupied properties only so not to be confused with low down options like a FHA 203k or other similar products. 

Looking for tried & True products for combating Cat & Dog Odor on concrete slab foundation.Thanks.

Your rate will certainly be better with the VA IRRRL product than a conventional investment property refinance. 

Any recommended products to use?

There’s plenty of previous threads on here on that topic and they usually conclude in a dead end.Second, as @Tyrone Osilesi pointed out, and as the name of the product implies, HELOCs are a line of credit based on the EQUITY in the property.

Note that being a co-signer and being a co-borrower are sometimes considered two separate things to a lender/underwriter, and you should make sure that distinction from them is clear.