This may be enough to spook them and it may stop there.

On top of that, the eviction moratorium spooked me a bit so I left all of my capital in the market during the last year and a half. 

It sounds like they are getting spooked by something they're not familiar with, when the thing they are not familiar with could actually be the best thing for you both.But, the most important thing is that you are both completely on board with whatever deal you do.

It is perfect timing as I am looking to expand my MF holdings, specifically 5+ units... ideally looking for 12-20 units.My theory is that COVID spooked a lot of people.  

Had this quadplex plus 2 others all locked up and ready to close then rona hit, spooked all the lenders which messed up all the buyers...so what did we do?

When Covid hit, however, their investors got spooked, and some of that was put on hold.

The whole thing made the paper several times and spooked the hell out of me.

I normally don't get spooked by foundation issues, just treat it like any other problem I'll have to deal with.

If the strategy was to hold the property long term I would say it does not matter but with the strategy being reselling right away, I think this lien would spook a lot of the buyers, even though it’s not really an issue being that it is insured.

Thank youI would go with a Line of Credit if I believed there will be No Changes in the lending market for the next few years.I would go with a refinance if I believed there Will Be changes in the lending market in the next few years.When the lending market gets spooked, they close Lines of Credit.