This is the type of stuff that can differentiate the successful from the non-successful.

Get it appraised for  140K and borrow, (in my case as non resident) 70% so 98K.

From what I've found CU's don't like them because their risk of you walking on some non-owner occ debt is greater.

A brokerage is fine if your non-traditional investments will not be overly interactive - such as the occasional note, syndicated deal, crowdfund, etc. 

Am not sure if I can get advice as my property is in a non-US country but I guess the principles remain somewhat the same.

The non-cash out LTV on a refinance is also 75%.

I am also saving to buy his Cardone U, real estate course, & invest in his fund for non accredited investors 

(depending on the location) I'd also consider the following: HOA or non-hoa. 

That program is much more cost effective for smaller projects and would still be non-recourse.HUD does not have hard minimum experience requirements but they want someone generally credit worthy and financially sound. 

(oh, there is a secret 3rd option we are looking at - a store does have 100ft of our old flooring which is about 10 or 20 feet short, so we could intermix that flooring with another brown to at least have most of a match. the other, non-matching floor would be intermixed throughout the room.