Is their a better way or a program or something?

You could also look into using some sort of DP grants or first-time homebuyer programs, as for example, Bank of America runs a grant for using them, that can add up to about 18k towards downpayment and closing costs.

There are a number of programs offered by lenders which may be able to help with part or all of your ask.

Some of them have some great HELOC programs. 

The parameters of the loan program you use to refi will dictate how much cash you will be able to pull out. 

humidity is also a thing, it's common to see dehumidifiers in a lot of these older basements to keep the crumbling and dampness to a minimum.2.) read up on 4D and Section 8, so you're aware of what's involved when properties are participating in those programs.3.) st. paul calls their rental license a COO - certificate of occupancy; maintained by the fire dept. 

They finally came back with the following:“At this point we would just need you to apply for a “Special Inspection” at our office for visual “certification” of the existing structures.”I am curious what this sort of “visual certification” entails.

I've gone through other threads on this forum about the legal ramifications of dealing with pre-foreclosures in MD without the proper certifications, and I was curious about MD regulations for marketing.

The Section 8 voucher program is money for the tenant to help with making their rent payments.

Estoppel Certificates:Do you ever submit an estoppel certificate to tenants in properties with so few units?