Struggling with financing strategy

[Phil Harris]

I was hoping to use Quicken Loans and FHA for my first 4 properties. Turns out a 4 unit multi family is considered 4 properties or at least that is what I was told. I have some emails and calls out for portfolio loans. And I am considering business lines of credit too. My goal for the year is just 8 units, but 20 or so within the next 3. If I am going to have to get commercial loans in the future my thought was I might as well just do it now and get 1 eight unit complex. I am currently working with about 50k in cash that I am trying to leverage as best as possible. We have high credit scores, and make over 100k per year. I have my 20% I can put down conventionally and get a great rate. My concern is having that money stuck. I am not interested in fixes and flips, but long term cash flow. Can someone set me straight? I've been reading too much.