Given your experience and strong financials, you have some solid options:Commercial or Portfolio Loan: These are tailored for investors and can help you avoid personal guarantees, especially since you have an LLC.BRRRR Loan (Buy, Rehab, Rent, Refinance, Repeat): Some lenders offer BRRRR-specific loans with funding for purchase and rehab, allowing you to refinance based on the new ARV once stabilized.HELOC or Cash-Out Refi on Current Rentals: Tap into the equity on your single-family rentals to secure funding for the 4-plex purchase and rehab without high origination fees.Each has pros depending on your cash flow goals and timeline.

Whether it's real estate investing or running a small business or a combination of both, I just know I want my income and financial stability to stop being reliant on a boss or corporate entity.I've got a couple of interests that I'm flexible on. - Long term residential rentals: Primary interest to start building.  

It solves these kinds of issues is a VERY simple way allowing you to focus on other more productive things. https://a.co/d/edtWLq7

You get financial freedom from keeping property, not selling it.

i do also think there is something to be said for being in a strong financial position.and they're probably tied together. 

Hello @Michael Dallas,To verify the seller’s information, ensure you request these essential documents:Rent Roll (to confirm rental income and occupancy)Lease Agreements (to review tenant terms)Financial Statements (past 1-2 years, including income and expenses)Property Tax StatementsUtility Bills (if applicable)Maintenance Records and recent CAPEX reportsInsurance Policy DetailsInspection Reports (any recent or previous reports)These will help you confirm the property’s income, expenses, and condition.

By leveraging our financial resources alongside Ron's contributions, we were able to secure the property quickly and allocate funds efficiently for the $25,000 renovation.

For me, I do not view real estate as anything other than a financial investment.  

@Jean G.The reality is: it dependsIt’s a numbers game where you need to first determine: what yield do I want and what are the outcomes/ risks involved that could impact thatBuild yourself a financial calculator to understand this but also understand you need to know every process and how much it costs and how long it takes90% upb on a commercial property in a non judicial state with equity and default interest at 15% is a great deal but take that same asset in another state which also has long eviction laws and it could be awfulLastly bankruptcy could wipe out some of your lien depending on the type and how the loan was written.

The best down to nail down the value is to review the financials, look at comps, and get an appraisal.