I mean, don't get me wrong, we have to comp the property...so if you are looking to REHAB the property and make it something different, then you need a rehab loan first and then refinance after type of thing. 

Some investors use conventional loans, while others use private lenders, hard money loans, or partnerships.

Alternatively, your sibling might use a 1031 exchange to defer taxes by reinvesting in like-kind properties, though this doesn't directly fund a primary residence.Other ideas include leveraging a HELOC on the rental properties for the down payment, taking out a 401(k) loan, structuring an owner-financed agreement, or a lease-to-own arrangement.

I can say from having taught classes on these loans that your contractor will be the biggest key to your success.

And you have to pay PMI for the life of the loan.

Loan: 20% down, $4,038/month PITI.

What type of loan products would be available for an LLC buying a house?

There’s not a ton of margin to play with these days when you’re financing everything on a flip on hard money loans.  

Finally, define your long-term investment strategy, whether you’re aiming for cash flow, appreciation, or a combination, so that each decision aligns with your bigger goals.

Whatever you do, leverage smartly—DSCR loans can help you buy more without draining your cash, and depreciation will handle your tax burden for 2024.