Since I will have owned it only 3 years, the property value increase is minimal ($35K) and closer to $15K once I pay a listing agent and closing fees.2) Gift it to #2 son now and let him pay the Capital Gains tax at his rate (0%) when we sell next year. 

If you want to JV your wholesale deals you want to do it with someone you know, like, and trust over time and have met in person.There’s nothing more wasteful and inefficient (in the private sector) than financial intermediaries engaging in a “daisy chain” to try to close “undoable” deals.

Monthly rent is $1,850 and plan to increase next year.

There should be other options, however with an LLC and fourplex - yes, DSCR is by far most likely to be your best option unless you do the heavy lifting with local banks and credit unions (and these are increasingly not great options for this type of stuff as they move painfully slow and are under lots of regulations and restrictions)2) I haven't yet reached out local banks, but seeing the quotes from brokers makes me wondering if Banks may be better? 

Depending on their financing scheme , most of them needs debt restructurization after year 4 or 5 which means LP losing money.everyone buying with sub cap 4 , they have to exit , banks want the money , they want exit with cap 4.5 ; buyer like us is asking for 5 cap.The only way they can survive is by the fed cutting rate next year or there is massive debt refinancing deals given by the banks What is funny is like at the end it would work just like you described a year ago James , there would be TARP 2.0we know there would be huge losses for LP this year but the actual owners of those asset are actually the lender.Now the lender is getting screwed, if big bank collapsed due to CRE, the Fed has to create tarp 2.0 ; just yesterday there are news that the Fed is asking for the bank to increase their capital requirements LOL so the Fed would give cash infusion to the banks…and restart QE lolSame cycle like 2008Now were getting into a different post and stepping from Econ 402 into Econ 708. 

Lender will make sure you dont open any new trade lines or have increases on your balances.

Option C (selling) simplifies finances and provides a large lump sum (~$270K), but triggers significant capital gains taxes, potentially increasing Social Security taxation and Medicare premiums.

Improved DSCR: If a company’s DSCR has increased significantly since the original loan was taken out, it may qualify for better interest rates or terms, making refinancing advantageous.2.

They got us 10 DLC approved fast and we've been able to increase our texting volume to 1k texts a day with no problems.

I hope everyone is having a good day.Best regards, Briant R.Be cautious with wholesaling in real estate, as many wholesalers engage in unethical practices and cut corners.