You may have success with Multifamily DSCR Loans for 5-10 units - then really once you are at 11+ its going to be a whole additional/different set of lenders - commercial mortgage brokers probably your best search/bet if its significantly above 6 units in your buy box

I'll definitely look into it.My guess is that a 1031 is your best bet.

I'd also bet if you went to check the filter, they still haven't changed it since your handyman put one in last year.

@Daniel Judge You bet.

Here are a few options and considerations:Commercial Loan or Portfolio Lender: Some commercial lenders or portfolio lenders may be more flexible in financing properties under an LLC, especially if the property will be used for commercial purposes like short-term rentals (Airbnb).

Flexibility for Future Moves: When I decided to move out later, I can continue renting both units, creating a consistent income stream even after transitioning to a new home.

I'm assuming you used FHA on your duplex in 2021 so that 5% down conventional would probably be a good bet. 

But certainly desirability and demand will be impacted with this loan type being more flexible.

The architects also probably have a pretty good handle on the costs of construction because their plans are getting created for a certain price point.If you don't find what you are looking for, then it is a very solid bet that it's not economically viable.

Being flexible and accommodating is the way to go if you can.