Owner-occupied offer stronger than LLC?

[Michael Eaton-Byrd]

I am looking to BRRRR a fourplex in Saint Louis, MO. I was told that it'll be competitive to acquire the subject property because it's in hot area and bank-owned. Therefore, I should offer on the property as an owner-occupant rather than as an investor with an LLC. I have no problem at all house-hacking and living in the property for a year. The issue is that it's harder to find a hard money lender or short term lender that'll lend for the purchase and rehab in my name/knowing that I'll be occupying it when it's refinanced out on a 15-30 year fixed. Any advice on this?

[Jaysen Medhurst]

Yeah, I'm not buying that, @Michael Eaton-Byrd. The bank doesn't care who they sell it to (there are exceptions). Truth is that most agents don't really understand REI or some of the financial basics of the industry, let alone any "creative" approach.