Many options only require a soft credit pull, and depending on factors like location, experience, and credit score, lenders can offer leverage of 85-90% of the purchase price plus 100% of the rehab funds.

I have purchased materials before and contractors refused to use them, typically due to poor quality.

Rate lock: If you've already locked in your interest rate with the lender, it typically remains fixed for a certain period (often 30-60 days), regardless of market fluctuations.

Obviously this is an overall average but on the surface these numbers describe a typical West Philly, Olney/Ogontz, or cleaner North Philly deal, which from my experience make up a majority of the inventory available around that price point.What are everyone's thoughts on the health of the Philly market?

What options are there for this type of property for refi (we can do 70% or 75% LTV)? 

They will be forwarding over a list of contractors they use.Does anyone know what a typical contractor load-out would look like on a land development deal that will convert raw forested land into a "Ryan Homes" type subdivision? 

Since you just bought it and haven't done any significant force appreciation, a HELOC will probably not be an option, as you typically need at least 20% equity in your house.The big question is: Is there a pre-payment penalty on your 30-year conventional loan?

With these changes, the portfolio is now expected to be about -$2,300 / month cash flow.I am considering a few options and would love this communities opinions:Option 1) Sell property 1 to pay entire mortgage of property 5 (highest interest rate) -- Pro: Improves cash flow by ~$1,600 / month. 

There are several good options for websites, I personally use investor carrot.

Here are a few ideas:- HELOC: depending on how much equity you have in your property, you may be able to apply for and borrow against that equity- DSCR: BP now has a find a lender link and I'm happy to recommend mine as well if you'd like; there are lenders who do loans based on the future rental value of the property- Borrow from your 401k: typically you're able to borrow up to $50k and if you have multiple 401ks, borrow from multiplesHopefully this gives you some ideas of other options to bring in some cash for your investment!