Based on my projections at year 4 after the PMI is done the 15% down will perform the same as the 20% on a CASH ROI analysis.  

The lenders may verbally allow you to transfer your loan to an LLC, but later when the interest rate gets higher, they call your loan based on the contract, because your loan is now under-performing for them.

No, you don't have to use the card just reap the benefits of an already performing credit account.

CONS--They perform an appraisal on every deal which they make you pay for.

Crowdfunding makes real estate easily accessible, however, in regard to institutional/syndicated real estate investments, the advice of an expert who works in the industry every day, knows all the players and their track records, and performs due diligence on each offering is a great benefit to the client and comes at no extra cost. 

In the end, perform the proper due diligence before putting in an offer on a rental property, and contact an insurance agent to determine the specific costs and needs.

And you have otherwise good economic indicators but poor performance on this site?

The easiest way to borrow like this is to find an experienced local hard money lender, usually at a real estate club, and pay them to prepare the loan documents and perform the origination for you.

@Rebecca Beck There are some situations that you can put yourself in if you perform a HELOC on that property.

We have found the following benefits:1) We can demand an extra $30 - $50 per month in rent for the convenience of en-sute laundry;2) Tenants pay their own electricity, hot water and, if sub-metered, water costs related to laundry;2) In small residential buildings (like your quad) we often no longer require an electrical entrance for the house;3) Vandalism of the laundry machines is non existent {though it was never significant} ... if something happens to a machine, we know who is responsible.4) High-efficiency residential laundry units are 50-70% the capital cost of equivalently performing commercial coin-op machines  {between the extra rent and depreciation, we find the machines are paid-off in ~2.0 - 2.5 years}.