I tried to find a hard money lender hoping that I can use the hard money loan to put another offer on property and extra funds to replace septic.

I am good for a credit check and can provide the lease proving $1250/m income. 

Though, keep in mind that HELOC rates can fluctuate with the market, potentially exposing you to higher interest rates down the line.On the other hand, a cash-out refinance could lock in a fixed rate, providing stability/predictability in your monthly payments.

If you want a better output you can always add more details.Potential Improvements:You could specify the types of properties (residential, commercial, etc.) or the size and diversity of your portfolio to receive more tailored advice.You could provide information about your company's specific objectives or values for a more aligned recommendation.If you have preferences for how you'd like the scoring or rating system to be (numerical, grade-based, color-coded, etc.), that could be included.If you have had previous experiences with property managers that you found particularly beneficial or problematic, including those could provide context and help tailor the advice more specifically to your needs.If there are particular areas you are concerned about (legal issues, maintenance, tenant relations, etc.), emphasizing these could provide more detailed and relevant advice.

Before making any decisions, review the information provided by San Francisco's Office of Short-Term Rentals website, consult with local experts such as real estate agents or property management companies that specialize in STR.

Based on the information provided about the tenant being on disability and history of hospitalization I would suggest having the local authorities do a wellness check.

I'm ok with that as long as they "own" securing the subcontractors are regularly on-site and provide good communication back to me.

This data is readily available and usually provided by larger brokers.

Here are some common financing options:Traditional Mortgage: Obtain financing from banks with a down payment, paying off over time with interest.Hard Money Loans: Short-term loans with higher interest rates, often from private investors, suitable for quick acquisitions or credit-challenged investors.Private Money Lenders: Individuals or groups offering direct loans, with terms negotiated privately.Seller Financing: Buyers make payments directly to sellers over an agreed period, with terms negotiated between parties.Home Equity Line of Credit (HELOC): Borrow against existing property equity with a revolving credit line, typically offering flexibility.Real Estate Crowdfunding: Pool funds with other investors via online platforms for various real estate projects, offering diverse investment opportunities.1031 Exchange: Defer capital gains taxes by reinvesting sale proceeds into similar properties within a specific timeframe, useful for tax optimization.REITs (Real Estate Investment Trusts): Invest indirectly in real estate through publicly traded companies, offering liquidity and diversification.Joint Ventures/Partnerships: Collaborate with other investors to share resources and risks, leveraging each other's strengths for larger projects.Subject To Financing: Buy a property subject to the existing mortgage that's in place on the property (doesn't get paid off when the property sells).Assumable Mortgage: Buy a property and assume the mortgage that the seller already has in place.Lease Option: Rent a property with the option to buy it prior to a later date.Debt Service Credit Ratio (DSCR): A loan approved based on the income potential of the propertyThese options cater to different investor needs, preferences, and financial situations, providing flexibility in real estate investment strategies.Thanks,

Anything extra is gravy, I guess you add "diversification" to my portfolio with being an REI but I could care less about that.