It’s a sole proprietorship.Wewe want to use her condo as a rentalFor tax purposes we plan to file separate every year because of her high student loans. 

For example, in about 1 year both my car loan and student loan will be paid off.

all paid for with cash.no credit cards. no school loans owed. when we shopped around for rates on a mortgage in May, 1 broker said to me twice, "you mean you really have no debt except for your mortgages?"

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.

Usually you get a long term loan from a conventional lender like a DSCR loan that is based on the property income.

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.

Instead, I gave her a no-interest loan; she wanted to get a new car and never had one before, so I bought the car outright (a sensible Kia Forte) and essentially gave her a no-interest loan.

One area of emphasis to improve cash flow is property management.

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.