Of course, growing has inherent risks involved.

I think the first step would be to contact a lender and figure out our best options moving forward.

Homewrite is seems like it could be a good option.

It’s a great way to grow faster.HELOC or Equity Tapping: If you have equity in another property, using a HELOC or cash-out refinance could help cover the down payment without affecting your DTI as much.Seller Financing or Creative Deals: Look for sellers willing to finance directly, which bypasses traditional mortgage qualification hurdles.Scaling quickly often involves combining strategies—play around with what works best for your goals.

If the insured driver was sued for more than their car insurance covered, the accident must have involved negligence.

I Hope with this new perspective perhaps some new options have opened up for you! 

Since making a career switch to real estate, I've been involved in numerous studies adding my expertise in statistics and housing policy with NAR, HUD, Fannie Mae, Freddie Mac.

@Max Bellino For smaller properties like your 2–4 unit multifamily buildings, an online cost segregation study is a quicker and more cost-effective option, providing sufficient accuracy for straightforward properties.

Seems to me my options are...SELL - If I were to put it on the market I think I could reasonably get $2.8M - $3M, but at a 2.9M sale price my return on my initial investment is only 38%, or 7.6% a year over the 5 years.

Example; I am invested in a fund that does active option plays on Tesla.