I'm going through the zoning process as we speak.I've been listening to the podcasts almost daily for a little over a year and have been educating myself on REI much more than I ever have before.

My plan is to continue my real estate education for the next 3 months, and in the meantime I would like to set up weekly coffee/lunch meetings with local professionals and like minded Real Estate Investors to grow my Network.  

Thanks @Chris Chang and @Jeff Lewis!  

Weigh the refinance cost Vs the additional amount that you can cash out so that you can decide if it is worth proceeding or not...Also do note the change in the monthly payment with this new loan...

,My name is Jason and I looking to get more education on the options, requirements, and overall strategy for obtaining unsecured business credit as capital for investment in real estate.

[BTW:  I changed the title of your thread as you are really asking about financing a second property with a first mortgage and not looking for a second mortgage]

Check out Education for how to guides on getting started.

I've also gone back and read a few of the various "Rich Dad" books, and they have been both inspiring and educational.

Does it change based on any factors ? 

Best/first thing to do is get educated.