I’m a 22 year old business owner & I’ve recently hit millionaire status, now I must say, I don’t feel any richer than just a few months ago; if anything, the stakes feel even higher.I’m a millionaire through assets, so cash on hand is limited.

I do not have any background or knowledge in real estate besides the few articles I have read here and there and of course the “Guru” limited information webinars/podcast/YouTubes.

I’m my biggest critic.

I have W2 & 1099 income, solid credit, home equity and brokerage accounts/retirement savings, and some limited rental history (my first deal is a SFH 2 years ago).I've read about doing 75% bank / 10% second with seller, and "just" coming up with 15%.

Problem is we have limited experience in real estate and we do not know many investors.  

In theory I could use the HELOC that is available to me (limited) to pay off existing mortgages on 2 of my other properties, but that seems a bit like churning assets - the true intention of accessing credit is to buy other properties outright with cash.

Then, even if you get the loan you are limited by debt to income ratio ? 

I am not criticizing your company, which I am not familiar with. 

Right now All of my real estate investments focus on investing in turn key properties and becoming a limited partner in syndications.

I'm referring to when a property is ready and available for use, which is the critical date on when an expense can be deducted as opposed to capitalized and added to the depreciation basis.