@Juan Perez Seems like you are in an awesome position!

@Sarah Rilling - I always like having a 1:1 conversation with the potential coach/mentor to get a flavor for how they work with people.... basically to see if their is a connection.

Seems like I could possibly get a duplex with that kind of down payment. 

Is it like the following:a)  Make an offer on a 5-unit that the Seller acceptsb)  Do my inspections, come up with gameplanc)  Present the lender with final gameplan, once approved then proceed to closing & get the keysd)  Have XX days to convert to a 4plex?

Without knowing all of your specifics, I'd say that it's only worth holding on to if you can reasonably expect to have some really good appreciation in the near future (like 5 yrs)....Or, in the case where it would run well as a vacation rental, you could switch the usage, maybe?

Looks like DOGE is ready to cut them loose.

I do not understand your remark as related to the DSCR loan.  2 ADUs are not allowed by f/f conventional financing but is not always enforced.Fortunately if you stay with the current tenant without a refi, by the time you pay principle it is likely the rent will have increased enough to absorb the increase mortgage payment. 

The only purpose of the account would be to collect payments and pay bills like taxes and insurance on assets held by the LLC.

You are likely to see reduced leverage or have to show more qualifications (higher credit score, reserves, etc)

It sounds like you're well on your way to creating generational wealth.