Your best bet is some kind of bridge loan to close efficiently and then refinancing once it has been seasoned to take full advantage of that discount that you are getting. 

Does anyone have recommendations or thoughts on approaching this situation for ease of management and tax efficiency?

Hi Mark - Rental properties are generally tax efficient investments (i.e., depreciation offsets current cash flow and defers income recognition until disposition) and so are the retirement accounts (tax paid in retirement when distributed) so the tax burden on the money you are borrowing is likely not to materialize for many years.The delta between the 9.5% interest rate and 8.3% average return on the existing retirement account would result in more funds in the account if you take out the loan.

I have 200k in liquid cash (yes this was self earned thru 5yrs of sacrifices and hard work 12-16hr days 7days a week with maybe a month in the summers as break to see family back home, but i dont want to do this forever) My dad and I want to be partners going into these deals. there is a new construction 4plex i am looking to build which will be 775k that i will put 25% down (half me half my dad) which will cash flow net 2k /mo if i rent it out LT (COC of 11% which isnt bad and apparently my agent who recently worked on a neighboring new build said the appraisal after its built is mid/high 800s, also my plan is after 2yrs to REFI at lower rate). i am considering to have 2 of the units as MTR for local nurses or construction crews which of course can increase profits much more. i also have a 3acre property that i am thinking to build small 2bd 1ba cabins and use as STR/MTR/LTR. but i am also wanting to do do STR as i love the concept and have watched Robuilt everyday learning from him. i am looking to buy land in a mountain/ski town (189k 10acres) and build a beautiful aframe and use as a STR. all these property ideas are close by to me so i will have a close look on them and will manage myself. i have just been consuming knowledge endlessly the last 3months in preparation for this decision.but as you can see my head is all over and im unsure what the correct first step will be. i have many goals and visions of what i want to do i just need some help making a correct first decision on those who are far more experienced than me in this real estate space so i use my capital in the most efficient way. i understand real estate is long game and i have no issues with that but i would like to at a minimum cashflow 100k a month by the time im 30. this is a big goal but i have 8yrs to do this. thank you for your help i look forward to the responses(side note: i am not considering house hacking as i live with my family, this will possibly be an option in the future) 

Yet, accessibility doesn't always equate to efficiency or quality.

@Duane Alexander do you have a better or efficient way to find local Hedge Funds?

I assume you have one for your returns.I would just take a look and see if its tax efficient for you to do this.If you qualify for REPS, you'd be able to take the passive losses that year onto your main 1040. 

Hosts who fail to leverage AI for tasks such as dynamic pricing, guest communication, and property management are missing out on maximizing their profits and efficiency.

I think it would be a pretty efficient system where the flipper knows he can get the house sold and I know I am getting a turnkey house with good work done that I can rent out.

Therefore, when choosing a property, consider the potential for leach field failure and ensure there's enough room for expansion.By understanding and navigating the new septic system ordinance efficiently, real estate investors can mitigate risks, capitalize on potential opportunities, and make informed decisions in Santa Cruz County's real estate market.