There you will be asked your criteria and then after answering a few questions you will be matched with 3-5 agents or loan officers in your area.

Usually you get a long term loan from a conventional lender like a DSCR loan that is based on the property income.

That should fix your cash flow issue while also giving you a bit more security, since you're not counting on a single lease anymore.

We fully own the property, but an equity loan minimum is currently more than we qualify for, can't find a personal loan, all due to credit scores.

All of the loans I've had have the option to do this.

There you will be asked your criteria and then after answering a few questions you will be matched with 3-5 agents or loan officers in your area.

Would someone be able to fill me on in what is required with regard to bank accounts in the state of NC for holding a tenant's security deposit? 

SBA will be unlikely to give you a loan for this business.

Additionally, failing to close a loan over a fiscal year is a huge red flag and usually leads to termination.I want to dive headfirst into RE investing to gain that experience I mentioned above.

Be sure and send them a final accounting including the security deposit to any forwarding or last known address.