If you want me to send you my link tree it will show upcoming events at my mortgage brokerage A and N (we host events with multifamily investor groups, and networking events weekly).

Meet with a local banker & schedule a time to talk with a mortgage broker, they'll give you at least a baseline of what kind of down payment options and rates are out there.After that, if you're still wanting to research more creative options, do some looking into seller financing (a very hot topic with good, and bad, advice out there), look into private lenders, and commercial financing options.If you're wanting to live in 1/4 of your quadplex, then conventional residential loans may in fact be your best option as you can purchase that with a fannie/freddy loan with very low down, and use up to 75% of the income from the property toward your own income. 

My question is, do I just not touch the first property, use the cash flow to reinvest and pay down the mortgage or save up for a downpayment down the road OR do I pull cash out of the first property to buy the next property?

Currently, I have about $20K left on mortgage and estimate value is$175K.

The spacious primary suite features a private full bath with double vanity, while the flexible layout provides options for bedrooms, an office, or hobby spaces.

We use private lending to finance the purchase and construction of this home.

NMLS does not regulate private lenders.

Think multi unit residential, commercial properties, or purchasing houses “subject to” existing mortgage.  

Am I ok with this plan to ride up the appreciation, mortgage pay down and rising rents?

Credit cards have the same limitation on the amount you can borrow and will likely end up costing more than private lenders.