Through bank: 4.25% 20 Yr Amortization to purchase, switching to 4.25% interest only construction loan for 1 yr on purchase price and renovations (aprox $65k), this will transfer to a 4.25% 20 yr amortization commercial loan when Reno completed.

Create a HELOC from the equity now in your primaryIMO - transferring equity from rentals to your primary only makes your financial/risk position stronger. 

For example, I often will finance purchases of investment assets through zero interest credit cards as I end up paying 3% annual interest through the transfer/advance fee in order to earn 7%-8% on my investment. 

When we purchased the property 5 years ago we were told only the garage was the only electricity bill we were responsible for.Which we didn't have any issues with this for the last five years.Suddenly, our first tenant called the electric company to come out to dispute her electricity bill.Now we wended up with a letter from the electric company that the foreign wiring needs to be transferred to the landlord's account.Now what? 

So, you transfer Title but the mortgage lien stays in place. 

Cozy came highly recommended by many but I definitely was not expecting the 5 day transfer between their account and mine.  

When you pass away, the death benefit will be transferred tax free to your heirs and until then it is also asset protected from creditors.

One question I do have is regarding if your license can transfer from one state to another because I may relocate to Atlanta with my family in the future and would obviously want to continue the same business down there.

It turns out that the bank I bought the house from didn't have the power of attorney to transfer the deed, so to this day the deed has not be transferred and I have been making monthly payments on my loan.

If you are a business then you may also owe Franchise Sales Tax on the income as well as personal.Www.mylodgetax.com is a service I have researched and will use to help me sort through all this red tape.