At first glance, there seems to a decent amount of value in several of the items... everything from 3 old Cadillacs that are in bad shape to old computer hardware, music equipment, power tools, hand tools, likely some antiques, etc. 

But of course, to play both sides...in reality if I do refinance, I would actually get worse interest rates from the bank since it's currently under a 4.25% rate that was originally designed for conventional primary residence home loan, no? 

You may be able to borrow from it but I doubt I would.I don't play a lot with fico maximizing, but a store credit card wouldn't be my go to. 

If you try to play games with the SBA, well, that would be very foolish.

I wasn’t able to get it to play...

All the "boots-on-ground" agents I have talked to encouraged me to go for it as that it very rare to find 1% rules properties in Austin MSA and this will be appreciation play. is this true?

There are all kinds of ways to play the real estate game. 

I will update everyone as it plays out. 

When I dive into a deal other areas of the company...my private fundraising slow down considerably, then I'm playing catch up!

Plus, even though Atlanta is hot and the market is competitive, it's still a fantastic market to be in, especially if you are playing the long game.The best way to search for property depends on your strategy and stage of investing.