Originally purchased as my primary residence, using my VA loan.

You can use a Heloc if you have one in place just make sure you are talking to an experienced Banker or Loan officer.

And as I told the Auditor why would I go to Indy in Feb.. and look I have 10 loans on my books in Indy and I live in Oregon..

There are no penalty fees for paying off the loans early, FYI.Anything in this workflow that I'm missing? 

Lakefront land prices are at a premium so I need to accelerate the timeline by taking out a land loan(or other financing) to fund further improvements.I have owned the property over 7 years and have been using my own time & money to clear the property and make improvements.

Purchase price: $200,000 Cash invested: $30,000 I purchased the duplex through a wholesaler and extended the kitchen / dining room area in the downstairs unit.

They suggested we refinance a loan of 600k with me on it.

Is it possible for me to get a loan? 

Financing does exist to provide 85-90% LTC for rehab loans, but still requires 10-15% down + closing costs + reserves to start your rehab.

Getting pre-approved for a loan will be key.