Residence Equity Loans - Loans made by eligible lenders to take equity out of a borrower's principal dwelling. Not all cards have them, but many do. In case you're carrying a stability on your credit card, annual fees will be much more painful. First, because no one supplied a 90% loan on commercial property and second, as a result of the property probably would not have supported the debt service.
Additionally, when repaying your loan to the moneylender, be certain that for every transaction, you get a receipt that has been signed or stamped by the loan officer, and signed by you as properly; duly dated, with the correct repaid amount written on it. Just remember to save these receipts in order that you will be able to reproduce them when needed.