@Helena Goyvaerts it will be tough without 2+ years of USA tax returns showing you are profitable.Higher interest rates have negatively affected most lenders and many of them are getting more aggressive with offering more flexible programs. 

I make $4200+ a month after taxes plus overtime if I want it. 

 - prop 13 basically fixes the property tax.  

What an investor gives up though is tax bene's and the chance ( well at least proforma wise) that you bought at X cap rate and can sell at Y cap rate and there is a big profit that is added on to your returns. 

-------Building an ADU in Raleigh is a fantastic way to enhance your property’s value (a whole other discussion there) and increase your property’s income-earning potential. 

So, it would then potentially cost you a penalty for early withdrawl and also income tax owed on it.

This type of investment can also offer great tax deduction, depending on your situation.Best of luck on your first deal, feel free to connect with more questions.

The mortgage payment is $1,000 on each house, so you earn $500 per house or $2,000 monthly.

I would hate to pass on it and settle for just earning a commission by selling it.

Legitimate, in this case, means that the entity is part of an overall business investment strategy whereby you have a business plan, tax returns, and the funds you seek are for further business expansion.If, however, the LLC is a stand alone entity, is not profitable, or is not legitimate, then your probably better off putting into your personal name and securing funding that way, or still talking to local or regional banks to see if they have any loan programs available where you might be able to secure financing.