With a written policy, you will never have to think about this issue again and can provide the same answer to every tenant.

I hope you get several answers that help you make a decision. 

Taking from your 401k is the easy answer and unreversible.

I have found that if I call and they don't respond or call back, then I probably don't want them handling the management of my properties anyway because they don't seem to be very good at answering the phone.

I'll try to answer your bullets as best as possible.1.

Happy to answer any Q’s.  

If the answer is a definitive "no", it doesn't matter how much interest you have in the property.   

And other times there isn't much more I can add to an already answered thread.

The lenders will ask all your personal financial data anyway.But to answer your question - get the card that has cash back, no annual fees and low interest rates.

Just to directly answer your question - I think you would be best with that size property, finding a partner to JV with whose got the money and assets to get the loan and pay the down payment.