@Ashton Fry- there are several lenders / banks  offering HELOCs on  rentals  and / or  2nd homes ...SPRINGEQ  is one .....check with your lender  contacts and  also with the banks you do business with  or   banks / credit unions close to the proeprty- good luck

Hi Sonya, with that criteria I'd recommend checking out markets in the Midwest.

Does anyone know of a good company that is similar to REI Print Mails check offer mailer?

Most lenders are "check the box" types,  and you have a situation that does not check all the boxes.

However you might want to check out The White Coat Investor Blog as it covers many things pertaining to those in the medical profession and investing and all things thereafter.

Check you local regulations - don't guess.

But we checked with a broker, 50a6 only has a seasoning requirement if you are refinancing a mortgage.

Have you checked https://atlas.phila.gov/ to see if the zoning is correct?

Check out DSCR Loans - heres a guide published on BP that should be helpful.

It sounds like others have been happy with Stessa and Ren Redi so I'm going to check those out.