As both an investor and a mortgage broker who has personally used both options, I can say there are benefits to each.It ultimately comes down to comparing the two side by side based on your specific situation.

Check out this bigger pockets link below for that question. https://www.biggerpockets.com/guides/ultimate-real-estate-investing-guide

Start with BiggerPockets Ultimate Beginners Guide (free).

Ultimately, I wound up doing a 92-unit deal my first time around and realized that part of the reason I was struggling to win deals was simply because I lacked the credibility to be do so. 

(If not, then you should, IMHO)We're all in sales ultimately, and keeping potential business associates on a marketing list is our lifeline.Also, if you were "politely told" that it's not a great fit - how is this a problem? 

Had I scaled up in 2002 after buying my first multifamily, I'd have had a much larger multifamily portfolio during the great financial collapse and I probably wouldn't have survived it.

Start with BiggerPockets Ultimate Beginners Guide (free).

Our Recommendation: This decision is ultimately up to you.

Just curious... what’s your ultimate goal for that office space..are you looking to boost resale value, or is it more about having a functional retreat above the garage?

Ultimately, it's up to you and your personal comfort.