I need a small $100K loan for additional cost.

Additionally, the fire suppression system will need to be maintained and signed off every two years.

Feel free to message me here on BP for additional info.

Not a huge deal because I probably won't be selling it.Option #2:  Use the $33k HELOC I currently have and get an additional business line of credit or hard money load at a higher interest rate.  

You should refinance based on appraised value so find the bank that does this for you.Hence, my questions above regarding due diligence on real property value and additional ways to value-add to increase the properties value.I hope this helps.

Forgot to mention, they only get this application if they pass the phone interview.Once they return the application, I can then verify their job status, current living situation (meaning speak to their current landlord if they're renting) confirm employment etc. all before doing one showing.  

Plus there is the additional cost for flood insurance in a flood zone. 

Quick notes about me: I was born and raised in NYC (Queens, Long Island) Current 2-family rental is in Queens Village I work full-time at a growth-stage technology company in NYC on their Strategy team My goals are to get 10 additional doors under my management in the next 3 years. 

Any additional recommendations is appreciated, thank you kindly.

Refinancing your loan to $192,000 probably wouldn't significantly help your cash flow situation, and the $13,000 would only get you into a cheaper rental somewhere out of state (in a possible war zone unless you have additional capital to also invest).