We financed this acquisition by leveraging Partner Driven’s capital resources, ensuring we could act swiftly on the Benton St property while allowing our partner, Archie Raglin, to engage in a low-risk investment.

Sounds like the issue is the lender you are working with does not allow first time home buyers for DSCR.

There are other loan types that allow for 3-6 months seasoning of ownership with slightly higher rates.

Both will allow your retirement dollars to invest in real estate and much more.  

I'm not using an agent.I want to allow enough time for myself to find a buyer to re-assign the contract to but at the same time, don't want to drag it out to the point where the seller gets annoyed or doesn't want to sign.

Fannie/Freddie absolutely will allow you to transfer your property into an LLC after closing.

By negotiating effectively, we reached a deal that suited both parties, allowing us to focus on planned renovations that would significantly increase the property’s resale value.

You can text/email/call or even see them before allowing them to move in.

These allow you to bundle renovation costs, and if the post-renovation value meets 20% equity, you may be able to avoid PMI.

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.