If you had 20k in your pocket and credit over 700, where would you put that money? 

I use Cozy for background and credit checks, I take the cost off the first months rent if they are approved. 

I have 250K on a line of credit with interest at an Annual Percentage rate of 5% that I can utilize.

And I must say, the credit goes to them.

It appears we are at the top of a credit cycle.

If the tenants choose to charge their rent on a credit card, they are charged the credit card fees not you. 

I have excellent credit rating and available funds for a 20-25% down payment.

I would house hack, but since I have 2 kids and one on the way I don't think that will work lol So has anyone started with just commercial properties, and if I am understanding properly the financing of the loan is based on cash flow not the credit of the person applying...

Take out a 100% Home Equity Loan (not line of credit) from my credit union on my personal home and put some cash with the equity loan for a cash purchase.

I don't know if these are the state laws or if these are lender specific policies.Important to mention, the properties that I want to buy are in TX and I do not own these properties yet.I though it would be pretty simple for a lender to tell me what my refinance options (and costs) are if I tell them the value of the property, how much equity I currently have in it (100%) and my credit score.Am I approaching this the wrong way?