What you’re looking for is either a HELOC (home equity line of credit) or a home equity loan against the property, without touching the main mortgage.Quick breakdown:HELOC acts like a credit card against your property.

Being debt free and having capital saved puts you in a solid spot. 

A 50-year mortgage sounds like affordability — but it’s really it'll be debt that never ends. lolOn paper, stretching a mortgage from 30 years to 50 lowers the monthly payment, yes.But in reality, you’re paying far more in interest while barely building equity for decades.If you buy a house at 25 years old if you're lucky, you'll be 75 when the mortgage term ends...It’s housing that feels like ownership but functions more like renting — just with a longer contract and a higher total cost.The real problem isn’t the length of the loan.It’s the affordability crisis that’s forcing people to consider lifetime debt as a solution.Until we address prices, wages, and supply, extending loan terms only delays the inevitable...The further elimination of the middle class chasing the American Dream of owning a home.

Non-dischargeable debt?

I moved 90% from RE equity to debt in '22. 

Sounds like you’ve already built a strong foundation in multifamily and have a unique edge with your commercial debt background.

I do not have a lot of cash flow in general, so I would be taking an interest free credit card to pay for the furniture and if I evened out for a year then started making profit that would be great.

They do not have an automated way to capture credit card transactions.

Retention: Reward six months of on-time payments with a $10 card.

I have my credit cards under 10% always so there's that route as well to finance the emergency and use the funds for the next property.