Personal savings, credit cards.

I utilized a HELOC along with 2 other lines of credit.

@Vincent GilliamI would suggest speaking to local banks, and credit unions.

The $612 monthly profit does not account for items like future repairs, cap ex, maintenance, and vacancy.

I was turned down for a HELOC with a different lender (a local credit union who would've given me more credit, but determined my current debt-to-income is too high, especially since the rental property isn't generating rent at the moment).I know that I can do a cash-out refi on the rental property in a couple months.

Then my credit union (BECU) whom I bank with but don't hold the mortgage with offered me one with no automatic withdrawal requirements.

All three houses cashflow and she is not interested in selling at all as this is her retirement plan and main source of income, however due to excess cc debt, a high DTI, low credit score and lack of financing options, she is extremely cash poor. she is at the point where she could and I think should declare bankruptcy on those cc's, and move the houses out of her name. in order to get financing, all houses need to be in LLCs, which they aren't.in order to kill a couple birds with one stone, my mind goes straight to 1.

I know the interest rates are going to vary and I have good credit score/clean history.

My tenant is on disability and would like me to complete the form to have the rent deposited directly into the business bank account.

Local community banks and credit unions may have no seasoning period for their portfolio loan offerings.