Additionally if 25% or more of your transactions are your own deals, most e&o companies wont insure you at all.

I have low DTI, high credit score (790+ FICO), and high amount of liquid assets.

Even after finding a qualifying building, if you can use the new 5% down program you may find less resistance to your offers since sellers often don't want to deal with the additional inspection.

@Corby Goade i deff understand a home equity loan and line of credit and would actually RATHER do then then the cash out refinance because sooner or later the Pmi will go away and my monthly payment will drop And I will keep my 3.75 rate but I will be paying more money with the holc because it’s still at a higher intrest rate then the cash out refinance 

Over time, you could leverage this equity to invest in additional properties that provide better cash flow.Diversify Investments: You're already invested in stocks and real estate, which is great for diversification.

The thought of selling the note but never occurred to me, and I never even thought of it as an additional asset.

Are they asking for any other loan docs, like your credit report?

As for the additional escrow unsure why you would be requesting that much more but for the rental increase you just need to send legal notice and they must abide by it as they are month to month then you can look at eviction if they choose to disagree with that route.

@Douglas Middleton Your best bet is probably to call a local bank, ask for a commercial lender, then tell them you're looking for a "business line of credit" or "working capital line of credit." 

A couple additional comments. 1.