Yes - Multifamily DSCR Loans can be a great option for this - check out this recent article posted last year on everything you need to know about Multifamily DSCR Loans (generally for properties with between 5 and 10 units) including comparison vs. traditional loan options!

@Christian Beebe Are you willing to partner at all?

Depending on the lender's protocols, either traditional or virtual appraisal methods may be employed.

I have not done too many deals in your market, and I anticipate things are nuanced depending on the property type and condition and based on the personality of the owner....BUT it is common and customary in my world, which is usually retail/med office, for tenants to have at least some time of free rent during the buildout.We usually structure things as follows, and you can change the number of days around but this is traditionally what we at least shoot for when we have a tenant we are repping.- Lease commencement date is to be the 6/1/24 or when the landlord's work is complete. and we traditionally have penalties in place if the LL's work takes too long and pushes us past our initial timeline.- then we typically have "rent commencement" or when you start paying rent, to be the earlier of either 180 days following lease commencement or when you are open for business.  

I strongly suspect your best move is to roll the TSP to a Traditional IRA and convert the IRA to a Roth, using non-retirement dollars to pay the income tax, even if you have to borrow the tax liability.

As a result, I'm finding it incredibly challenging to establish credit or secure traditional sources of income.Currently, my kids and I are living with my parents in Sigourney, having moved there last June.

Self-directed IRAs are more popular because they allow investors to invest in a wider range of assets, such as real estate investment funds.Traditionally, brokerages do not allow investors to invest money in non-traditional investment possibilities from a Roth IRA, Traditional IRA, or 401K.

Traditional Mortage.

Once you have a ton of equity, then it makes sense to convert it into a more traditional cash flow market.

Often when the pre-fab builds are cheaper they come without the longevity and quality of a traditional build.