@Leo Rodriguez Like Oleg stated above, if you are going for the agency debt then at least having some management experience in the asset class you are buying is huge. 

Is there a bank that would just loan me 45,000 as like a mortgage to pay off the debt I put into the home?

We are swimming in debt, but we are swimming quite well.

LOL.Hopefully though we won't see another event like that one.. but for all those reasons I own NO rentals will never own any and will always just stay in cash and very short term debt. that way I can limit my loss's extremely quickly.  

Cash out refi and heloc are not seeming options at this juncture since I just officially started my RE investing business, am self employed (debt/income ratio) and I'm working on improving my FICO scores. 

If you do a cash out refi then your own mortgage monthly payment will increase  and could increase substantially for the length of the loan (typically 30 years) and the only way to reduce the monthly payment is to refi again after debt pay down or refi with a large down payment.  

At a minimum. the investor needs to cover all monthly, debt service, taxes, management fees, expensive, and reserves out of the monthly rental income.

About the longest commercial debt tends to be 10 years.

This property would net me $500/mo cashflow after debt service with the 4.75% 30 year rate ($558/mo cashflow with balloon).

Lets say theres a rental house I have, its paid off (no debt on it) and has appreciated nicely.