Looking for recommendations on types of financial institutions that are heloc and refi friendly.

At the end of 12 months, the company will refinance the building and give me back my initial 120K loan in full (no interest) and I will get 30% ownership position in the property and participate in all cash flow distributions. 

Some college students sign yearly leases because they still go to school during the summer or participate in local internships, at least at UCF, which is the largest college in the state.

I'm pursuing the more traditional avenues (WF, B of A, Chase, etc.) but if I can find better terms or service from a smaller institution that investors have had good experiences with, I'm all ears.

Loan originators are easy to find, but they're all tied to an institution, which doesn't help me. 

The lender (institution, not your LO) will likely order another appraisal, at lender's expense (institution, not your LO). 

Interesting that they’ve included those clauses to favor the institutional investor, but most like at the request of the institutional investor.If you’re uncomfortable with the terms, pass on the deal.

Commercial real estate, core plus, 60% leverage2) Broadstone direct real estate access (BDREX): rock-bottom fees, three-tiered investment strategy (access to institutional funds that normally require $500,000-$5 million minimums to invest in, directly owned real estate, liquidity sleeve of public REITs)After this there are others that I would add to in smaller amounts, since they have more risk such as one of the Realty Mogul debt funds. 

The Solo 401k also offers a lot of benefits over any IRA when it comes to using the account such as the ability to borrow from the account, contribution limits about 10 times higher, spousal participation, built-in Roth components, and additional tax benefits.

Great to know @Benjamin Lapidus as a participant in a few HOAs I can't imagine the role in managing them!