Sounds like in your situation a cash out refinance would be the better option since it is less risk and you can get a lower payment/rate verus a heloc.There is a lot of issues than can arise with a Heloc which is the same as a credit card verus liquid reserves tax free cash in hand that can be used as an asset for PITI reserves or collateral in general for compensating factors in underwriting or rate/term qualifications.I enjoy helping other BP members save more time and money I say it a lot here on the BP forum but its super helpful to avoid mistkes and lost deals as well.  

• Some markets have high liquidity risk—selling might be harder than expected. 

I am currently looking into applying for a credit card in hopes of liquidating the credit limit via bank transfer, and I am curious if anyone has experience doing that.Main concerns:1) How badly does it ding personal credit?

We used a combination of Wayfair, thrift stores and online second-hand sale sites.

We then liquidate these loans, and do it again.Is there any bridge lender here who would be interested in discussing providing leverage against these assets, so we could buy more of them in parallel and scale up?

Considering the greater liquidity, professional management, greater disclosure and compliance, opportunity for management to borrow at rates much lower than private equity real estate, and more relevant and reliable information available, as well as diversification, it looks VERY attractive.  

Most newer investors aren't liquid enough to be able to even consider true appreciation plays and often end up buying C and B- properties.

The only surefire exit plan is to have the liquidity to pay if off.

And, if you follow proven processes by companies like the ones below, your odds of success are high.National retail chains follow a straightforward process when selecting store locations and localizing their inventory (click to enlarge):The same process works in real estate.No property ever paid rent; the tenant pays the rent.

Keeps you liquid and keeps lenders happy; I hope this helps you a bit, I sent you a DM on BP and hope you can assist.