Can you do a cash out refinance of your primary residence to consolidate your consumer debt and also get you the cash you will need to cover the down payment and closing costs?

Plumber says a clog that blocks a 6 inch pipe can not evacuate through a 3 inch clean out.Anyway, we had to take action on it.  

I am new to Real Estate investing hung up on my first course of action.

We see these often in foreclosure where we ask the court in a declaratory judgment action to hold that the leases aren't valid and to strike the agreement between the parties because it's not good faith and fair dealing.There's likely precedent to that effect in your state, but it's so much harder to cure a bad lease than to not buy the property with a bad lease on it. 

You took some initial actions to get these leads, but you are scared of what happens if you mess up.

Can you please let me know what you think the best course of action would be?

Most states have a contract form used by most realtors which means it may be more recognizable to the consumer and certainly more recognizable to investors you'll be working with. 

They do not recognize a difference between a business purpose and consumer purpose loan. 

Consumables like detergent, toilet paper, paper towels, coffee (if you offer it) and on and on.

take action mate yes getting your knowledge base is important but dont get stuck on trying to learn everything before you jump in and do anything take small steps but take action. again best of luck to you mate