Use a payment processor to pay the original note and any wrap if there is a 2nd position secondary note that pays the seller the difference between their current mortgage and the total sale value. 

And, if you’ve been in your house for a few years (or longer), there’s a good chance you’re sitting on a pile of equity — maybe even more than you realize.What Is Home Equity?

Hi,I am an investor in single family homes and am interested to use my equity in them to start investing in multi unit shopping center retail.

Our business banker Is more than happy to lend, however there's more red tape to jump through that i was attempting to avoid by going with a private equity lender. 

Honestly after I did my first deal I was in a similar position as you are.

I'm the single breadwinner for my family (2 kids) so I don't know if I'd have the time and energy to both run this rental and manage my work so I can reach the income level to handle the bigger mortgage comfortably.I feel like this chance for us to have a rental property with positive cash flow won't come often so I really want to explore it.

The total deal with debt was above $10M but the total equity in the deal was around $4M. 

Currently cash flowing about $625/mo with $85,000 in equity Lessons learned?

But it would give you time to save up for the 20% on a refinance in 2 years or give you the ability to use any equity gained to refinance in 2 years.

A lot of folks that build and rehab wont pay for it.. they take the position they did everything right and it benefits buyer if you want it you pay for it.its not a huge cost .