This could be through finding ways to increase the rent on your existing properties, taking on additional work, or finding other income streams.Reducing your current debt levels can also improve your DTI ratio.Improve Your Credit Score.Look into various financial institutions, including community banks, credit unions, and online lenders, which may have different criteria or offer programs for investors.Since portfolio lenders retain their loans in their own portfolios rather than selling them on the secondary market, they are able to provide greater flexibility.

@Devin Aikens I have 20 units and 5 more under renovation coming online soon.

After researching online at landlord-tenant laws in the state of Maryland, I noticed that Baltimore City is especially tenant-friendly. 

You may just want to have the sales contingent upon clothing after 1 year.

but either way good luck hope it works for you.also being accepted into a club in my mind is still just sales pitch and illusion of exclusivity I suspect all you need to be accepted is to contact them and actually have the 15k... do you have any special skills that would set you apart and why they would pick you ??

Will you close on the sale (after reno) within 6months?

The proven additional cashflow may compensate for that a bit but that will be largely priced in and you may even need to discount the cap rate at sale. 

Too many people try to save pennies with short-cuts (like using online tax programs) while they are walking over/not seeing hundreds and thousands of dollars they are missing or already missed.

I've read a few things online and I think it sounds legal/doable.

The refinance itself, will be treated as a loan purely to be paid back by the LLC over time.It is best to speak to a CPA or Lawyer pertaining to this first and foremost to properly discuss the private details that should not be shared online.