I essentially have three big goals.

Just be clear on what's happening.I also charge my tenants because they are essentially negotiating a change to the agreement and I don't work for free.

I had to have the 25% up front however, so used my loan for that, and then at closing, executed the seller financed 2nd mortgage that essentially reimbursed me and the 401k loan.  

HELOC are essentially lines of credit from one of your property from the equity you have in it.

We are thinking of a Live in flip and hold or influenced by this blog https://www.biggerpockets.com/blog/why-im-not-house-hacking , perhaps investing in our hometown in NJ which is somewhere we are more comfortable with and then essentially house hacking through their long distance cash flow in maryland.

This was essentially a feeder public school for top colleges in Cali.

It essentially reinforces your asset protection from the LLC.Estate Planning:  Because the Land Trust is considered an estate planning tool, it makes the day you set up your estate plan much more bearable!

Make them your bank and essentially you are paying back a loan to them.

It’s essentially a normal home purchase at this point with the difference being the assignment contract and payment for the wholesaler.

So with that in mind, would it be smart to use one of these companies to refinance if I may end up going to, let's say, my local credit union and taking a second mortgage out on my property to use to finance another one, essentially refinancing twice within a relatively short amount of time?