@Blake ChapmanMy personal favorite vehicle for leveraging a property is a Home Equity Line of Credit.

My main concern, quite frankly, isn't the cost, but rather their inability to predict my market or the lack thereof and how to truly overcome a terrible income disparity where I currently live.

I'd like to up my LOC some or re-do the line of credit on one of my other properties so it is off my personal. 

Also, how do you research if the property owner has a 2nd mortgage or Home Equity Line of Credit? 

I'm also not terribly interested in learning about marketing my deals to other investors, because if its good enough to sell to someone else, then its certainly good enough to keep in my portfolio. 

Arthur Voskanyan  A cash out refi is generally a first lien 30 year fixed rate VS a HELOC is 10 years interest only second lien with a variable rateRates depend on the loan amount, your credit, if you occupy the property, the loan balance, ect @Chris Mason should be able to provide you specifics

Below is the break down...I am not using exact numbers here just ballparking.Purchase Price: $600,000Owner is willing to finance half with half downHere is my question:Can I get a credit back at closing with a commercial loan?

We used a private lender to buy the other house  because we have bad credit.

The place smells absolutely terrible.

It’s been terrible for me.