I hope you are asking two separate unrelated questions, because there's no point in doing cost segregation for properties held inside your self-directed solo 401k, save for some very rare exceptions.Some of the Bigger Pockets experts who operate reputable costs segregation companies are @Bernard Reisz, @Yonah Weiss and @Julio GonzalezSome of the Bigger Pockets experts who offer Solo 401k administrator services are @Dmitriy Fomichenko, again @Bernard Reisz and @Brian EastmanReach out to them and see if they can help.

These covenants are private agreements put in place by the developer or builder.

You would want to find a private money partner for this who wants in on the deal.

Many investors use this credit for down payments, marketing, or renovations, scaling their operations faster than relying on personal savings alone.For those who have built business credit, how has it impacted your real estate growth?

@Sino U.I would save more money or look into a DSCR loan.Where is important.

With that in mind, I would save most, if not all of the cash flow until you have enough to do the renovation.   

First off, kudos to you for building up the savings and diving into the multifamily market with an FHA or Fannie Mae loan.

Check out these two articles that provide a good overview of the factors that affect qualification and loan amounts:DSCR Loans: What Are They And How To Get The Best Termshttps://www.biggerpockets.com/...DSCR Loans: How To Use Pro Strategies To Save More And Make Morehttps://www.biggerpockets.com/...

If it helps save for the next deal or you need working capital for this deal, then I'd say do it.

     * House is a 2699 sq/ft Single Family Residence| 3 beds, 3 bathroom | Built in 1956 | NO HOA     * There is a chance I could pay only interests so I can start saving some cash for the incoming maintenance and annual payment equivalent to the 12 monthly payments (~$5,029.77 per year during the balloon period)The advantages I can identify in this deal for me are:* Lower interest compared with traditional loans* Lower down payment compared with the ones compared for traditional loans* House is technically ready to be rented (waiting for the inspection) * Forecast - 3 yr growth (appreciation) is expected to be 8.1 % (Bigger Pockets)The disadvantages I can identify: * I am still vulnerable to foreclosure if sellers don't make mortgage payments to the bank.* Refinancing issues at the end of the Balloon Payment?