Most of the time we were offered ½ of what we were asking.

You need a lending and securities attorney.There are some West Coast-based lending attorneys who work nationwide that I have recommended, but you might ask around regionally first.

We tried offering seller financing, money toward buying down someones rate, etc.

Following this - I'm based in California

I am so grateful for the time and effort this community offers.

That is what I would be offering to people.

Does anyone have experience with a bank or credit union that is offering Helocs in 2nd position on small multifamily investment properties without goin the commercial route etc...

So some basic numbers on these homes:Total estimated value of all homes including their primary home: 5.8MTotal remaining loans on homes: ~900kInterest rates on these homes range from low 3’s to mid 4’sSo two questions: 1) Do I need to cash out refi each individual home if I want down payment money or can lenders lend based on the entire portfolio?

@Mohan DeepWhether or not it terminates by inactivity is based on the terms included in your lease. 

The VA loan is a powerful tool with a lot more to offer than most people are aware of, a good agent will help you maximize its potential to kick start your REI journey.