I love that and like your attitude that you are taking advantage of it by taking care of debt and building capital!  

@Dan Bass of course thats the advantage of a 30 year fixed!

You'll typically find them significantly more advantageous.

It might be a little hard for the average joe to obtain it, but if they want to, they can figure  it out.My point being, is I don't see how one can gain a competitive advantage because most investors are going after the same type of list/categories (absentee, senior with equity, vacant, etc).

@Jaron Walling BRRRRing is something I truly want to take advantage of, but I fear I would need double the money for a downpayment and reno, at least in the beginning without equity from another house. 

I would take advantage of today's historically low interest rates.

Are there any particular advantages to hard money lending over bank financing for BRRRR purchases?

He's lived in the property for 10 years and recently refinanced to take advantage of low rates.

What would be the advantage for both sides to changing the equity split to favor the investor more?

I was wondering what would be best, an individual loan or a business loan and what are the advantages vs disadvantages of each?