Calling - and then there's this option.

Lenders also have interest only options that could help with cashflow especially on acquisitions to allow you to get the listing up, and have your listing gain momentum (some listings start off slow while they accrue bookings, reviews, etc.)

Do you guys think there is an option to find a property in my price range that will cash flow in a good part of town?

My question is should I keep working with this small local bank, is this a good deal, can I get a better deal, what are my other options for scaling as a small real estate investor.

I am in California.Cash for keys is always an option.

What are my options now?

Call options for Sept 21 are at $120k I think.

They are nice and guests like them, but obviously there are much cheaper options on Amazon. 

Definitely look into HELOC/cash out options, but if those don't work in terms of rates or availability I'd suggest using the existing cashflow from your multi to offset a primary mortgage, and then find a primary with an ADU.

Once you get a flavor for lending options you should run a proforma and determine how much return the project will be able to generate on its's own and how much return will be left for LP investors if you go the syndication route.