Does anyone know of any banks or credit union that does cash-out refi with 6 month's seasoning (conventional loan)?

However, when buying a foreclosure, I'm often able to get the selling bank to cover this cost if I agree to use their closing agent.

What is wrong with Microsoft excel or some type of common accounting software like QuickBooks?

With that said I am a little confused how to account for this property in my books.

you could have five loans but the most it appears a bank will let you borrow is that $280k.

It built into just about every bank / banking system. 

Compliance and Reporting: Adhering to financial regulations is of utmost importance as it ensures transparency, accountability, and ethical business practices.

The main issue is coming up with the $18K in some way, whether it is a personal loan or from savings and then how to account for that in the mortgage. 

I've been dreaming about investing in real estate for awhile now and I'm finally putting myself out there to the community in an effort to hold myself accountable & invest in at least one property this year!

Call around and see who lends on the properties you want to purchase, and open an account there.