Personally, we have had success in small multi-family across OK, TN, MO, KY, IN, OH. 

And during the Audit the auditor thought my wife was buying gooddies for us personally and dissallowed anything related to the London Trip and the trip to Tel Aviv where again I have clients and had business meetings..

so if its a case like that there just might be a very specific person who would be interested in those listings and dealing with that buying process.  

The property was completely full with all personal belonging.

Other than that, you might look at personal loans, which are probably higher than a HELOC but lower than credit cards.  

All commercial loans will now have new covenants if borrowers do not provide timely personal financial statements, personal tax returns, business tax returns, rent rolls (if applicable) timely.Personal financial statements and rent rolls (if applicable) are due within 60 days of the expiration date of the personal financial statement.

If you have 12 months of business/personal bank statements to support the $20k/mo, you could be looking at rates in the mid-high 7s with good credit and 20% down (assuming second home). 

The guy before him gouged me on my personal home, so I'm out looking as well. 

Right now we just have a separate personal account that houses our rental income and expenses.

I started to build my portfolio by buying a personal house and then turning it into a rental.