What banks or credit union can I use to refinance a car under my LLC name , my car is a 2023 Tesla model y performance , I owe $42,500 on the car , I’m looking to refinance the car under my business , my business was ...

While it does not cash flow, you are at least earning money by paying off that mortgage which is approximately 60% principal. 

If you can't get the seller to reduce down to that appraisal, consider walking away. 

As the great philosopher once said, "mo' money, mo' problems".I think the reduced leverage plan is a good choice to free up some DTI but obviously the extra fees on DSCR could start to add up a little.

Is it to build up assets, is it to make additional income, is it to reduce your monthly housing spend and save more money, is it tax breaks/benefits? 

For example, you may reduce the maintenance and capex to 5% and then discover turnover occurs more often than you had planned.

The seller was aware of work needed and priced it accordingly but was willing to reduce the price point for an all cash deal.

It'll at least help you reduce your living expenses.

., “Enterprises” or “Holdings” instead of “Real Estate Investments”) may reduce perceived risk.

You don’t have to leverage it up all the way to reduce cash flow.