But you are also doubling the number of tenants, chance of expenses, etc.   

Our payments are around $950 and the local rental rates are near $1500. 

Your only way to get cashout is a full-blown cashout refinance.Not aware of a lender that will do a HELOC as a junior lien to seller-financing.

Hey Ryan, I know there are some folks that provide this service but I'm not sure exactly how it works and how much trust is involved.If it's any consolation, I wouldn't sweat it too much.

Back when I first had the idea of real estate investing, creative financing was my only option, seeing as I had little capital on hand and even less of a chance that any lender would talk to me. 

Great tools that get updated regularly.I am on the lending side of things and would be happy to hop on a call with you anytime to discuss financial strategies and help answer any questions you may have about nearly any loan product available to help you on your journey, even if they are not products my capital partners offer.We are all here to help you learn and grow.

As for the time of OO yes I think it's a year but I've never seen anything that states you have to move in immediately, just simply you intend to OO not flip or rent it. 

There are a couple of telltale signs that an investor may own a home.

Invest in professional photography, look at other MTRs in your space that are listed at the price you want and are rated well and see how they staged the property.

They wanted to do that but it would mean it wouldn't clear for up to 21 days.