I’m looking forward to a long and productive relationship with Tammy Richards and Sherman Bridge Lending.

Heck, if the area is as good as you say and the deals are awesome you can get you can hit up a local REIA, move product, and use those profits to start scaling.Now, this is admittedly a VAST oversimplification.

They wondered how they could still only get $750.00 a month when they spent so much money on extra’s to make the house super special!

Special assessments do.   

Our 2 STR units have a good PM that specializes in STRs in that location (Mission Beach). 

I was having a conversation with a friend who is also interested in real-estate investing and she informed me that there is the potential for special financing for Multi-Family Properties.Does anyone know the benefits of financing a Multi-Family vs SFR and where I can find more information regarding this?

They may have something special that is a low down payment option and maybe more willing to work with you.  

So, hopefully your HELOC gets approved but I'm honestly unsure if it will without any specialized lender (assuming your credit score is very low right now due to utilization) and if your DTI meets requirements. 

In this scenario, you'll probably want to engage a law firm that specializes in both Real Estate Law and Bankruptcy Law.

Have you scoured the market with a Realtor who specializes in your market with investors?