I know a Business LOC provider for example, and their minimum credit score requirement is 720, and they prefer someone who makes more than $50K/yr.Make MORE money first while simultaneously increasing your credit score and LEARNING how to find deals in the market you want to buy.That's the solution to your problem...not borrowing more money.And read my story - that's exactly what I did starting with $0.

We call them "direct" or "simultaneous" exchanges. 

Looking for advice from all parties, especially investors who were/are in my shoes and can help me to navigate the initial surge into real estate while balancing another profession simultaneously.

I'm not gonna lie... it was very uncomfortable to simultaneously feel so foolish while also experiencing a twinge of panic.

I've found two different options from banks.The large neighborhood/state credit union:Good rates 4.25% for a 30 year fixed mortgage65% LTVThey control an escrow account for taxes and insuranceI have to get the building out of the LLC for the refinanceCould take 30-60 days to close, I'm guessing on longer because they probably don't like all my rental income and financial odditiesCan simultaneously do a loan for my next primary home purchaseThe Ultra Local Business Bank:They offer 3 or 5 ARMs only, amortized over 25 years with a 10 year balloonRates at around 5.5%75% LTV and like that I can get more out than the other bankThey loan to LLCs, don't need to change anything with thatThey don't hold an  escrow accountPortfolio lender and keep locally within their 3 or 4 branches3-4 weeks to close and they totally understand my rental income and financial situationDon't do primary home loans, I want to use a portion of the proceeds for a primary home downpaymentIt's a 4 plex so I have the option for a traditional conventional loan, but also a business commercial type loan that is made for investment properties.

Virginia is a separate plan, I still like the numbers but to do both simultaneously?

I simultaneously got a better management company and my mildly improved apt with my much better screening got me a property full of 'lifers' who show no signs of moving.

They are simultaneously rough markets with low cap rates, rent-value ratios, and tough dynamics from a legal perspective.There are some bright spots in the extended DC metro area.

I am specifically looking to understand if I can take the $250K exemption while my parents take a simultaneous $500K exemption.

Question: Is it possible/permissible to open a SEP IRA and make contributions from my real estate LLC while simultaneously maxing out my traditional employer-based 401(k)?