The challenge, as you’ve discovered, is that traditional HELOC lenders typically want the property titled in a personal name rather than an LLC.

@Dominic Holt , I am happy to review your scenario and suggest changes that could improve your property.

I would have a house already but that is used as rental and I bought it using private lenders.

If you need help with contractors, lenders, investor friendly realtors or anything else, I'd be happy to help connect you.

However, when I reviewed the property information on the PVA website, the records indicate it is a 3-bedroom, 2-bathroom property, excluding the 2 bedrooms and 1 bathroom located downstairs.

I've closed and dispoed 4 wholesale deals, flipped 7 lots of land, own 30 rentals and have closed around 25 deals as a lender.

Several options you can explore to get the down payment capital: Solo401k; HELOC on personal residence or from equity of the SFR; Cash Value Life Insurance Policy; Business Credit; Private Lenders, to name a few.

.), I'd recommend that the residential units fully cash flow the loan as my experience is that mixed use properties are tougher to finance as most lenders tend to prefer one or the other and something in the middle gets more difficult.For example, and granted I don't know anything about the area/neighborhood, I would expect this property (https://www.realtor.com/realestateandhomes-detail/111-NW-Har...) to be easier to finance than the mixed-use property you mentioned. 

I would say get connected with a local agent and also set up with a lender that has you pre approved to make it super easy making offers.

They remain whatever the original borrower has.When you use typical financing from a lender, you have the lender's hoops to jump through and loan origination fees, the appraisal has to come in at a certain number, oftentimes an inspection or appraisal will kill a deal.