My question is, since the additional 30k in credit card dept is going to raise my DTI too high to qualify for a mortgage, is there any other loan product that would work for me?

However, in my understanding cap rate, income production, NOI etc isn't referenced when dealing in 4 units or less.

Able to set multiple codes as well.http://www.kwikset.com/products/details/electronic-locks/909-15-smt.aspx

I believe there are different Heloc's out there but under normal circumstances paying down any amount on a Heloc, would indeed make funds available for use again.My question is dealing with Heloc's, and I don't mean to take the focus away from your scenario @Scott Ellis, but I wonder if using a Heloc has the same effect on your DTI and credit score as any other debt product?

My education and success are 100% a product BiggerPockets and my Hustle.

Sometimes a realtor will have firsthand knowledge and more in depth of transactions than an appraiser.If an agent only shares data that indicates a higher value then you could see an minor increase due to the information available.My advice is that if you know the market- both geographically and by product type- then you don't need an appraisal.

By luxury I mean homes in the 3 to 5k sf size that are being marketing as finished product for $1.2-$1.7M.

I have done some multi-family, custom and production work.

@Justin GreenI have a house with asbestos shingles and they are a 100 year product. 

) That is inefficient, not focused, and wastes time and production.