I’m looking to create cash flow in San Diego by selling my remaining 4 unit buildings in San Diego.  

Just my 2 cents, but giving your current situation and goals, remaining in San Fran doesn't offer nearly as many advantages as moving to Sacramento.

Why not just pay the mtg down with your $20k and instead of borrowing $10k to pay the remaining $10k, just pay the $10k mtg balance the same as you would the personal loan, save the extra $600.

We remain optimistic about our post-renovation valuation.

Hopefully you have enough of a down payment saved up, if not, get a gift from a family member for the remaining amount of the 3.5% down payment you need.

Post graduation I hope to remain with this company and purchase and reside in a multifamily unit to begin my investment portfolio. 

My best performing equity unit is one where I was able to cash out refinance, and only $12,000 of my equity still remains in that property.

These details are crucial in picking the right HELOC for your investing uses or for any use for that matter.The HELOC's ive worked with are 10 year interest only (120 months), then years 11-30 they pay a piece of principal each month, while remaining variable rate the entire 30 year term.

The lease does not have an early termination clause and the remaining amount of the lease owed is over $50K.

In the will it states clearly that the youngest sibling with special needs is to remain in the first property until he wishes to leave or he passes away and then the property is to be sold and divided equally amongst the 8 children.