In the meantime, this might help you out when it comes to BRRRRs: https://www.biggerpockets.com/blog/brrrr-loans-what-are-the-...

Also is he referring to consumer debt (credit cards, payday loans etc..).

For new commercial development often times the improvement is not fully taxed for perhaps up to 10 years depending on the state and what programs they offer in that regard.

I don't know the numbers on your property, so I'll create a hypothetical:Assume your principal and interest on a $300k loan is $1,263.You're sitting on the potential to get $155k (tax free, btw), but the rate will be 7.5%, taking you're principal and interest to $2,100.Yes, it's $900/month more, but you have $155k of tax free money in the bank.

Using Hard Money 10% down 100% rehab loan to finance the deal.

Try creative financing like seller financing, private loans, or partnerships.

I've watched all the calculator tutorials but do not know which one will be the best for me since I will not need a loan to purchase the home.

I'm not on the loan at our current primary resident or the townhouse we rent out.

@James Bruntfield the blanket loans that most banks offer normally have a higher loan amount than what these properties would qualify for.  

More than four months rent were lost between missed rent payments and legal fees to evict the tenant.The next tenant was much better, but had frequent complaints regarding legitimate problems: -bathroom sink hot water knob that didn't work-rat urine smell coming from the vents-water leakage from the toilet(I understand that problems occur, particularly with properties of this age, but it was surprising/disappointing considering I paid Ohio Cashflow $64.9k for a property they bought for almost half the price, then, even after having done improvements, still required frequent repairs.)3.