I would much rather pay tax on just the interest income rather than on a distribution of that amount, that I've already previously paid income tax on.But, when getting funding for deals, from either hard money lenders or other lenders, will having that loan on the books create a roadblock that could make getting funding more difficult, potentially costing me deals?

If the lender is requiring you to put 30% down on a flip, its likely because the deal itself doesn't look great and they would want you to put more 'skin in the game'. 

It is a good policy, not catastrophic coverage, it compares to the policy I had at my old job except prescriptions are a little more expensive.

If you still have a mortgage, contact the lender to ensure the transfer will not trigger a "due on sale" clause.

I've explored this option the least and don't fully understand the benefits of a 1031 exchange compared to our other options.4- do nothing, continue to let the property cash flow.

Take out a lower(comparatively) rate CES for 6 months with plans of paying if off in full say after selling the asset.CES(Long-term)- Perhaps you're risk averse, and want a fixed rate long term, with consistent payments and don't have plans to pay off the note.

I can barely get firms to look at columbus with 10x years of experience thats mostly for ground up. the average house cost is still less than 100k which means you have a lot of houses to tear down still to create a housing shortage. the economics don't make it favorable for any type of investing but turn key or maybe ground up in the urban core which works in any city. but compare any of these cities, I'll take Indianapolis, Chicago, Minneapolis, and columbus and Milwaukee and pass on the rest. 

We are in the process of finding  a HM lender to finance  a lot and spec build.We have a lot that we want to purchase and already have the plans and have built this house numerous times already.One lender is asking to have a permit issued before they move forward.

They may also take into account the income potential of the 4plex once it is completed.It's important to speak with a lender who has experience with construction loans to fully understand the process and requirements.

I currently have an apartment building under contract that's in Canton,PA and I have been looking for lenders.