In my situation it is definitely the best option.

As I continue my W-2, I'm continually reminded of my goal to be financially free by age 45 (just over 7 years from now) and I'm more motivated to reach that goal so I can go into RE investing full time.

Validate your financial metrics again. 

The last financial advisor told me securities based loans are close to a conventional loan's rate.

When faced with an ugly situation where there are spots all over the place, however, it makes more sense to do a darker stain over the whole oak floor and make your life easier.

still not sure on this situation but i also was to busy to put much time in to anything as baseball season had started for my son.

I have maybe an interesting situation/thought.

A bit about me and my situation. 

I thought you would never ask.There is a famous saying by George Santayana, "Those who cannot remember the past are condemned to repeat it" that applies nicely to the situation we find ourselves in today.

As for your out-of-pocket costs, it really depends on the property and your specific situation, but budgeting around 5-10% of the purchase price for these extras is a good starting point.