1st Deal Dilemma

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Hi BP,

I have found a solid deal on a 2 unit and wanted some advice on "creative" financing options. I can use my primary residence home equity loan for the down payment & can finance with a Commercial loan but it's pushing my cash flow below what I think is reasonable. If I use a Residential loan it helps with the cashflow issue but I can not buy with my LLC & then must pay a 4% transfer tax afterwards to transfer into the LLC. I feel I will have limited financial resources for when Murphy's Law hits (it always does believe me) if I use the HELOC for the down payment + costs & then finance the rest.

Does anyone have advice on a different approach that I am not thinking of?

Thank you!

TJ in Pittsburgh