So to answer your question, a simple refinance to get historically low, fixed rate debt is awesome when combined with a HELOC to capture that left over equity in order to put it to use when you need it.

Or would it be as simple as getting a contract together taking it to a title company.

Obviously keep your attorney in the loop as well, and a simple letter with letterhead is sufficient enough to prod a tenant into action.

I am looking for some simple advice on structuring a quick spec. home build deal. 

I use simple Excel spreadsheets that I've created (one for each property, and one master) and that even gives me everything I need for tax time. 

It might not be the best best rate but the application process has been fairly simple and while I have my primary loan officer it is not uncommon for me to send correspondence to his boss that I have known throughout the years who is the head of the mortgage department for all of their branches during the process too.

It is really that simple. https://www.bge.com/MyAccount/...My advice is pay your bill ASAP.

@Ed BrancheauThere is a simple solution to this DO NOT pay your GC unless he provides you lien releases from his sub contractors.

My ultimate goal is to break free from my desk job for the simple reason of freedom and spending more time with my family. 

It is a very simple spreadsheet, which we just pass over to our accountant.