When you finance through national lenders, in your experience, is a balloon a common requirement for commercial loans of this nature or is it possible to get a fixed rate for 30 years?  

Let's say you borrow $100,000 to pay off your $50,000 IRA loan, $25,000 on credit cards, and keep $25,000 for finishing renovations.

Why do you think purchase contracts are so long and have such small print?

I recommend that you find a trusted or recommended Mortgage Loan Originator (MLO), who can give you options for property-based loans (mostly investment loans) and they don't use your taxes but the P&L of the property.

Quote from @Ryan Pham: Is there a reliable way for to est income of a furnish / short term / airbnb  incomevs long time income ( I know this can be est looking at comparable posting in same area )I have a 3 bed / 1 bath small townhome ( hoa approved ) I like to try to fully furnish and do airbnb / fully furnish rentalThis unit is 1 mile from Banner Desert Medical Center ( traveling nurse ?

We are still relatively small with only 5 properties, 7 doors. 

There is a reason banks don't make loans on stocks.

I have two rental properties through the VA loan being military.

One priced at a million+ dollars, or one priced at $400k? 

Here on planet earth it takes longer than 5 hours to do that job and people who do consistent work don't work for $2 dollars an hour.