Funding puzzle- looking for ideas

[Zara Ryan]

Hello BP! I’m looking for ideas on how best to fund the purchase of a 4 unit bldg. it has 3900 sq ft two 2BR/2 BA and two 2 BR/ 1 BA.  All in newly renovated condition, great neighborhood- two are furnished as STRs and ready to go. It’s in Alabama in a growing area.

My husband and I would like to finance with a 30 yr fixed if possible. We're short about 30k for the down payment if we purchase in our personal name. If we purchase in our LLC, we have the funds for down payment, but I don't think the terms will be as good. Is there a way to get a short term private money loan for just this 30k down payment? Or a way to get a 30 year fixed in the LLC name? This property will cash flow REALLY well, so we can't pass it up.

We currently own our primary residence and 5 additional SFH, recently sold a sixth. Two are STRs, 4 are LTRs. We've been investing since 2015, and experienced with both LTR and STR investing. This purchase would be used as two units STR and two units LTR.

-Purchase price is $475k
-expected gross rents 4440/month if all are LTR, more for STR
-Current rents per month: 1 is $850, 2 are STR, one owner occupied

-Fair market rents per month: $1020-1200 as LTR

-We have an existing relationship with an excellent professional property manager

-We have excellent credit and high salaried  W2 income (attorney)

Thankful for any advice you can offer!