I’m curious—how are you all navigating the current lending environment for your real estate deals? Are you sticking to traditional banks, exploring private lenders, partnerships, or maybe something creative like selle...

Helps carrying costs while waitingg to sell and makes financials look better for investor buyers.

Unless you're financially prepared to deal with these issues and accept that 'once you know, you must always disclose' defects, I would move on to finding what is truly a good deal - as a good deal is only as good as its bones.  

Review their online financials/annual statements.

It's really hard to give financial advice without having a full idea of what you're trying to do (fix and flip, buy and hold etc). 

I don't have the time or the financial means at the moment for that.

It is now May6th as I post today. 

Well today, I got my answer. 

It seems like your ROI is basically the same in each option, but you are taking on a much bigger project to convert a single family to a four-family.So basic calculations, since we don't have a full financial picture, i.e. what does financing of each look like?  

Today all these homes could be sold on the market for a good return since homes on Long Island has had big gains.