I'm an agent and investor in Sacramento.

Commercial deals take longer and are all about relationships, so connecting with investors, brokers, and property owners is key.

Here are some financing options to consider:HELOC or Cash-Out Refi on Another Property – If you or your mom have equity elsewhere, this could be a more flexible and lower-interest option.Business Line of Credit – Since the property is in an LLC, you might qualify for a business LOC, which could cover construction costs.Private Money Lender – If you’re okay with 12-15% rates, a private lender could fund this as a short-term loan, especially if the guesthouse will generate strong income.Construction Loan – Some lenders offer short-term construction financing, which converts to a longer-term mortgage once completed.Seller/Partner Financing – Bringing in an investor or structuring a joint venture with someone willing to fund the build in exchange for a share of the income.Credit Card Stacking or Unsecured Business Loans – Riskier but could work if you need to bridge a gap until the unit starts cash flowing.Would love to hear more details—especially your timeline and expected rental income.

Since you're open to markets beyond NYC, you might want to connect with local investor meetups or REI groups in those areas to build relationships with agents, wholesalers, and lenders who understand the nuances of each market.If you're looking to break out of analysis paralysis, maybe start by narrowing down one or two target markets and running numbers on actual deals.

However, maybe bigger pockets has something investor oriented that I can use right away.Thanks!

I am an investor and agent in Greensboro and would love more info on the property!

I am a buy and hold Investor in this area, for sure!

We do this for brand new investors with no experience.

Too many investors waste time chasing bad deals, overpaying, or relying on outdated strategies. 

Are you an investor or a broker or both?