Once your in it you can do some rehab work, raise rents and refi into a conventional mortgage so you can drop your PMI and still have very low housing expenses while building equity and keeping things moving.

I am trying to determine what my property would be worth if I raise rents and do some value adds.

Thanks to excellent personal credit guarantees, I’ve been extended 2 lines of business credit cards.

Assuming you want to raise outside capital, you just need to convince investors that it is a good idea to invest with you, and if you don't have a lender, then no lender requirements would come into affect anyways.

Raising interest rates will cool the housing market.

I put 10% down, RAISED my interest rate as high as possible so that I could get a lender credit (no closing costs), then fixed up and refinanced, so the higher interest rate was short lived. 

I have access to credit cards totaling over $20,000, but it occurs to me that getting a loan would be lower interest for a down payment.

It was his family home where he raised his sons.

Typically real estate returns get better the longer you own it through appreciation and rent raises.

I'm just curious how to factor raises in that/potential missing winter seasonal stuff in.