And I chose to buy the quad out for a couple of reasons 1. 

You are correct about that, but that's usually a computation and decision that an investor makes after a couple single-family homes or small multis.

I have a couple of Bay Area clients and used to live in the Bay Area myself.

I know a couple local hard/private money lenders I can connect you with, one of them is a sponsor at the Dover real estate investor meetup that takes place the 2nd Monday of each month at Chapel and Main Brewery.

I'm brand new to the forum and your message caught my attention.  

Our company has been offering brand new construction homes there for the past several years.

I was actually looking at a fully financed deal in St-Catherines a couple of months ago.

But my 4 renters are in there 30's-50's and work 50+ hours / week building naval ships and submarines and they enjoy being close enough to walk to the shipyard and coming home to a brand new house with all the modern upgrades. 

They put all of Indianapolis under a microscope for a couple of years.

A HELOC may be an option but I'm full time real estate (no W2) and have a couple properties and my DTI is relatively high.