I continued to push the issue and gathered evidence to support my case.

I think we are going to continue looking for a more optimal deal but will keep our feelers out in the blocks a little closer to Hopkins.

My co-signer's name would be removed from the loan, but I would still continue paying my silent partner $1000/month.

Brie, the thought is that I could continue to build equity through the debt. 

So thankfully business started, and continues to be great!

While having leverage is not bad it can assist in growth exponentially, reading posts like I just did of an investor having $100k in loans at 25% and wondering what to do with a new $50k LOC and thinking he should continue to invest it vs. paying down a 25% loan scares the hell out of me. 

After the six months is up, you can go to normal cash out loan to value levels.It’s probably worth it to do the delayed financing, get what you can before rates continue to go up and then gauge the market from there.

Let me know if you think you can help, and I would love to discuss options available.I'm planning to buy 3 more 4 family units this year, and will continue to buy multiple properties a year for many years to come.

Before you spend your IRA/retirement money, I would suggest you investigate other ways to invest into larger deals.

When you get back continue to use that as investment and if you want use the 1031 exchange to sell and purchase more investment property.