I was turned down for a HELOC with a different lender (a local credit union who would've given me more credit, but determined my current debt-to-income is too high, especially since the rental property isn't generating rent at the moment).I know that I can do a cash-out refi on the rental property in a couple months.

I have good credit (730+) and solid income.I am currently lined up for a conventional loan with ~15% down, 6.5% rate, and low closing costs but this would use up most of my liquid cash (minus emergency fund).

I’ve heard of stories where people verified with fake IDs and stolen credit cards and went into homes and stole appliances and furniture. 

I know the interest rates are going to vary and I have good credit score/clean history.

**Seller Finance**: Become a lender instead of a landlord by offering seller financing to buyers, which can provide consistent payments and tax benefits ([Why Would a Seller Sell on Seller Finance | Seller Q&A](;t=363s)).7.

There are some incredible new tax benefits for ground-up construction and major rehab projects.

Cost segregation studies can offer real estate investors massive tax benefits.

Personal savings, credit cards.

All three houses cashflow and she is not interested in selling at all as this is her retirement plan and main source of income, however due to excess cc debt, a high DTI, low credit score and lack of financing options, she is extremely cash poor. she is at the point where she could and I think should declare bankruptcy on those cc's, and move the houses out of her name. in order to get financing, all houses need to be in LLCs, which they aren't.in order to kill a couple birds with one stone, my mind goes straight to 1.

Then my credit union (BECU) whom I bank with but don't hold the mortgage with offered me one with no automatic withdrawal requirements.