Doing a sub to / wrap with the underlying loan being held by commercial lender that was not made aware and blessed this is a sure fire way to get your loan called..

We fully own the property, but an equity loan minimum is currently more than we qualify for, can't find a personal loan, all due to credit scores.

All of the loans I've had have the option to do this.

There you will be asked your criteria and then after answering a few questions you will be matched with 3-5 agents or loan officers in your area.

The new mortgage on the new $340k duplex home which is an FHA loan is going to be a monthly payment of $2800 and we will refi ASAP (the current rate is 6.7%) when rates go down.We have done some nice improvements on the SFR and will be refinishing the wood floors before a renter moves in (July 1) so feeling like it's a great opportunity for the right long term renter and we plan to screen prospective tenants well.We are taking a $20k HELOC on the SFR for the downpayment and plan to pay that off within 12-18 months.

He said we were friends, wanted referrals, told us that we are very particular, and asked to take photos of our home when he was done.The four weeks has turned into three months and a long delay in getting us the final bill.

SBA will be unlikely to give you a loan for this business.

After a few years of sitting on the sideline with regard to investing in real estate, I think I'm finally ready to get this show on the road. 

Additionally, failing to close a loan over a fiscal year is a huge red flag and usually leads to termination.I want to dive headfirst into RE investing to gain that experience I mentioned above.

Yea definitely gotta make sure that with the roof responsibility, that the ROI will still be good or at least decent...also by the way, they are only asking for cash , no loans...