I have been spending 4+ hours a day watching videos, reading, improving my credit (710+), searching for deals, running the numbers on 3+ properties / day, and in the process of opening a hybrid HELOC with 12-month 2.74%APR.

I'm trying to leverage what I currently have to create passive income.Option one: Use the current HELOC I have on my primary residence of 100k to fund a downpayment on one and then use the cash flow to pay down the HELOC.

(The whole life money is fully available immediately, at any time, for any reason and can be taken out tax free) I was also planning on getting a HELOC for short term financing deals or rehab on a brrrr.

HELOC might be a solution for taking funds out.

Ideally I’d like to fund the property with a Heloc, but I cannot because my mortgage was a piggy-back that’s still appearing on my credit report.

Which you should do anyways given the current rates (low) and the general trend for the last week (rising).2) HELOC.3) Preapproval.If you go 2 before 1, the refi will have worse interest rate pricing.

Use the proceeds to repay the HELOC on your primary and the rest can fund further investing. 

We used a heloc to place a manufactured home.

I've been talking to some commercial lenders who are willing to extend a line of credit on investment properties in certain conditions with no restrictions on its use like a HELOC.

A couple of other idea's:Borrow from a HELOC on your primary if you have one and pay back later with the cash out refinance.