It’s a matter of cash out refi vs. traditional refi. 

However, if you plan to rehab at all, you will then need a licensed contractor to provide bids on each project you plan to rehab.You will then be asked to provide a proof of any funds to close, purchase agreements, and if closing as an LLC - most times documentation on that LLC.Overall, the larger number of units (5+) makes the lending process based more off the property than the borrower, contrary to traditional single family housing.I would recommend you work with a Loan Originator/Broker who will be the medium for you to the lender/s.

With rates as they currently are, I'm looking for every angle to get the lowest rate possible, and from what I understand, credit unions can offer rates slightly lower than traditional banks. 

Most will double charge on all fees for double closings which can make them thousands more than a traditional closing.  

Task:-Goal: Purchase 5 properties (~10 doors) by end of 2025Action:-My plan is to use traditional financing under my name to access the best rates then transition to using either HELOC/DSCR/Hard Money.

I have $70K of my own money I can use as a down-payment, but am looking for someone to finance the rest ($280K) as I'm a real estate agent and am having difficulty securing a loan from a traditional bank in a timely matter.

Traditional treatments are rarely necessary, especially if the infestation is in the early stages. 

Traditional approaches like buying an existing property and renting it out offer more opportunities but may require more upkeep and tenant turnover.

This level of ease is something many sellers find appealing, especially if they’re in a situation where they need to move quickly or don’t want the hassle of traditional selling.- Explain the Benefits of Our Strategy: Finally, I explain that by listing on the MLS as part of our exit strategy, we’re simply maximizing the exposure of the property to potential buyers.

I would just note as a lender - its going to be much easier to find financing (and have more options) if the property is more of a traditional SFR / residence versus a cabin or creative type tailored STR property.