I've been trying to determine if the 1% down payment would hurt me in a BRRR (higher monthly mortgage rate and theoretically less to pull out in refinance).

Ask for higher limits so your available credit ratio is higher.

Then sell it to them at a slightly higher price?

Must meet self sufficiency test for 3-4 units on FHA though, which alot of properties in higher cost areas do not meet.Conventional allows 5% down on 2-4 units.

48,000/300,000 = 16% ROI60,000/380,000 - 15.7% ROIAppreciation:Renovated single family = 33% appreciation potentialConvert to Quad = 31.58%So in both calculations your percentage return from gross revenue AND appreciation is higher renovating the single family.

I don't see the need in financing at 7% or higher if you don't have too.

It’s a solid option if you’re confident about refinancing before the higher rate kicks in or if you want to save more month-to-month early on.Option 2 (3.5% DP, Permanent Buydown): Lower upfront costs free up cash to invest elsewhere, and the 5.4% permanent rate adds predictability.

Hard money loans are popular for covering both purchase and renovation costs, though they come with higher interest rates.

I'd ask around some GC's that are higher level they may have some decent project management/financial tools if they're at scale.

Usually only commercial properties with established operational expenses histories are evaluated by cap rates and then those cap rates can also be applied to buildings in certain areas representing higher or lower risk areas.