Please also feel free to bring an investment, personal financial dilemma, or strategy question, and I am happy to discuss it with you... for entertainment purposes only.

@Scott EwellLeveraged vs debt-free is a personal decision to some extent.Leverage will give you a higher ceiling on your investment, whereas debt free provides the lower floor.While I can't say which is best for you in particular; I can say that, in my experience, every majorly successful investor I've come across uses debt in their strategy to some degree.

i showed this home to another person first and thought it was a nice solid house and decided to buy this. price was good at the time How did you finance this deal?

I personally think out-of-state investing is a top choice.

So you may be looking at a failure to communicate, that's where I would start, schedule an in-person meeting.

Although I haven’t worked with him personally, he helped one of my investor clients acquire a few multi family properties a couple years back.

Person initially said I work full time.

I’ve been told if you personally close your own account it will affect your credit, and that if a bank closes your account due to inactivity, it does not affect your credit. 

Unsecured debt, either to you personally, another partner to the project etc. - based on personal Income, Credit, DTI, etc (1-8 days)3.

Have you considered a personal loan?