Smart move leveraging hard and private money for flexibility, and congrats on the above-listing price escrow—shows strong demand for a well-renovated property!

These factors typically indicate strong rental demand and potential for property value increases.

Start researching real estate markets with strong rental demand.

Use this experience to work out the kinks and build a strong boots on the ground team.

It sounds like you've done a lot to improve the property already, and with a good location near a growing downtown, it has strong rental potential.

With your income and plan to pay off student debt, you’re in a strong position.

I have been investing in real estate in my local market for 10+ years (flips, private lending, rentals). I am currently in the process of selling my portfolio of 13 rental units spread across four properties. In CT, n...

Given your experience and strong financials, you have some solid options:Commercial or Portfolio Loan: These are tailored for investors and can help you avoid personal guarantees, especially since you have an LLC.BRRRR Loan (Buy, Rehab, Rent, Refinance, Repeat): Some lenders offer BRRRR-specific loans with funding for purchase and rehab, allowing you to refinance based on the new ARV once stabilized.HELOC or Cash-Out Refi on Current Rentals: Tap into the equity on your single-family rentals to secure funding for the 4-plex purchase and rehab without high origination fees.Each has pros depending on your cash flow goals and timeline.

@Jerry Zhang, Gino's suggestion is a strong one.Why guess? 

This approach allows them to add value, increase equity, and create rentals that can generate strong returns.If you're thinking about commercial real estate, there’s definitely a learning curve, but the long-term stability and potential for diversification are huge pluses.