Getting a loan to payoff another loan with a lower interest rate doesn't make any sense. we do private lending and can get double digits returns consistently.

If I wasn't able to get the cash together, using a private lender would've been a good option.

You also cannot use a second mortgage (from HML/private lender) for a 2-4 unit non owner property. 

@Rennell Goudeau Hi Rennell, send me a private message and we can connect.

If you are looking to list the portfolio, the agent could do Loopnet and the MLS.If you are looking for a private sale I have a few investors that I could shop it to, as well some private groups that I am a member of.

with private and HML  the deal is done all at once.. 

Maybe he's talking about a private money lender??

Meet with a local banker & schedule a time to talk with a mortgage broker, they'll give you at least a baseline of what kind of down payment options and rates are out there.After that, if you're still wanting to research more creative options, do some looking into seller financing (a very hot topic with good, and bad, advice out there), look into private lenders, and commercial financing options.If you're wanting to live in 1/4 of your quadplex, then conventional residential loans may in fact be your best option as you can purchase that with a fannie/freddy loan with very low down, and use up to 75% of the income from the property toward your own income. 

What I was referring to was that I know two private lenders who have the borrower complete the Deed in Lieu documents at the Closing of the initial loan and then hold them in escrow during the life of the loan.

We are unable to meet our financial goals.I don't usually speak ill of anybody but we decided we needed to make an exception.So be forewarned, fellow investors - there are disgusting people out there, running predatory companies with zero ethics - that will prey on investors and mistreat them in the name of "PRIVATE" lenders, right here in the United States!!