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.

If you were to seek a LOC against #3, you would not get much as an investment property its very difficult to get a LOC and they typically will not go above 75-80% LTV which is where you are at.2.

For the 10 year period spanning October 2014-2024, single-family prices in Austin nearly doubled, yielding an annualized appreciation rate of ~9% in that period.With inflation nearing its 2% target and signs of a slowing labor market, The Federal Reserve recently made its second cut to the federal funds rate since the start of the COVID pandemic.

Even though you're at 2.75%, it’s not doing much for you if you can't use the funds to grow.

Quote from @Robert Cucino: Quote from @Tanner Lewis: Those look like pretty solid returns on the surface level, if you decide to go with DSCR, you can qualify the deal with AirDNA projected income even if it is rural. yeah i talked to dcsr lender in area, they do 80 LTV.

I am planning to include the estimated property value and the funds that will be transferred into the business bank accounts.

I would though flip land in both markets and I have been funding land deals in N.

@Calvin Thomas Grant funding I think will actually increase prices as the grant money comes from taxes so you are paying it anyway.

So they can access the funds   Otherwise the assets will be locked in probate.  

Typically they are not eligible for traditional financing which implies other funding sources (HML, private Monet, self funded, etc).