@Daniel Young  HML is generally just real estate related, because it's secured by the hard asset.Regarding your questions on purchasing materials, why not just use a credit card or a business credit card? 

Greetings Zackarias,Check out Bigger Pockets members under the network column it allows you to search for members in all 50 states.

On this property I had to purchase all materials, which i saved 5% with my lowes card.

See if you can get a card reader duo. 

@Brian S. waiting till you get a deal on the horizon is a good idea, but it you want to be able to execute faster I can suggest bundle the mortgages you have under one portfolio loan (as suggested by @Jerry Padilla above) and then open a "Line of Credit" with the same bank.It acts like a credit card, and you do not have to pay any fees if the money not used (some ask for yearly fee of $50-$100).

I have some credit card debt and little student loans I would like to pay off before looking into homes and taking the plunge.

When I was actively selling in NYC I always met the appraiser at the property, gave them my card and three comps, plus a list of any particular improvements I wanted to point out.  

Hello everyone from Batavia, OH.  I'm just East of Cincinnati and fresh out of the gate.  Have read Rich Dad/Poor Dad last month, which started making me ask questions.  Have stumbled upon the Bigger Pockets podcast a...

Seller holds all the cards.

I'm thinking about putting a $30k rental property on my credit card.