I believe the refi will be difficult and only to a terrible LTV.Remember, a legal entity "stands in the place of a real person", and if you were to refi your personal home, they would be looking at your DTI.This makes the point "Does your LLC have any income to service debt?"

DSCR:-  debt service coverage ratio. 

Mainly because people in the state have bad credit, or younger people have high student debt which needs to be paid down.

Now, nearing the end of the career, we are using the "debt snowball" to pay down and then pay off the properties we still hold.  

Tony - one last point I'll add to my suggestion above. . . as it applies to me personally, I still owe $172,000 in outstanding student loan debt.

Should I ask the bank to sign the title and give me physical possession so I can give it to my buyer after I flip it?

Or did the seller owner-finance to you and you're lease-optioning to a tenant buyer, collecting spread on the rent less debt-service?

That extra 5% in your pocket might be helpful.The personal loan monthly payment will count against your debt-to-income ratio. 

Debt Service: 608* Interest Rate: 4.5%* Down: 20.0%* Loan Term: 30* Ann.

I currently have this one in my possession ready to be devoured.