I seek zoning variances frequently in Philadelphia, but its a lengthy process and don't personally find it a worthwhile pursuit for legalizing a second unit in a building.

You can also get a personal loan up to $50K which typically is to pay off credit cards debts, do renovations etc, but it can also be used as a down payment.

A month later now, they are insisting I come and see the place in person and see "how well it turned out".

They noted, while they can technically go to 75%, in recent deals, they are closer to 65% due to DSCR covenants.And maybe this is expected, but I would anticipate having a personal guarantee, fully-recourse loan for retail.  

Looking for a Texas lender that can answer some questions or give opinions on doing a cash out refi on a rental property to help pay off personal debts. 

While personal credit may also be evaluated, particularly if a company member holds at least 25% ownership, demonstrating sufficient liquidity is equally crucial.

Wholesaling is very appealing and I'd love to meet with any current wholesalers who can give me some personal advice or expertise.

House hacking will also give you some personal "property management" experience.

Yes, a lot of personal finance people preach the rent option, but house hacking is almost always superior. 

Personally, I don't like anything that pay money that is no connected to an agent doing deals but I can see the appeal.