You need to find not only the right bank but also the right loan officer who understands the guidelines. 

I would like to access the cash value for property purchases down the line via loans from the company. 

I’m active duty Air Force and got my start in REI by maxing out my VA loan benefit with three properties.

Also, how are they keeping the land purchase from impacting qualifying for construction loans??

Are you in desperate need of a loan?

lenders really want to do the loan and likely view the appraisal as more of a nuisance than anything else.

Let's say $350K, 50K down, seller financing at 6% IR with a 5 year balloon.Let's say I start to shop around and to transition from seller financing to traditional financing because I found a 5% IR, I am essentially refinancing and putting the loan on the books.

Keep in mind HELOCs are interest only payments, adjustable rates, and will eventually turn into a fully amortized loan (usually after 3-10 years).Cash Out Refinances are great when you need the cash for long term needs or consolidating debt.

Hard Money Loan: Taking a hard money loan could be a viable stopgap measure to tide you over until you can sell your property or until your financial situation stabilizes.

So I'm under renovations for my first property and I used a conventional purchase and renovation loan, not knowing how tedious the draw process would be for me and my GC, but saw it as the most convenient way to fund the renovations.Doing our best to communicate with each other to ensure a smooth draw (fill out work completed form, get inspector out, review from both HUD Consultant and lender, send for signatures, 3-5 days of processing).