So after the land is sold have the last balloon payment to get a loan on the new lot with the less land. 

What Kind of loans should I seek?

A Quad is still better due to the fact that you have 4 leases and 4 rents coming in and still can get a conventional loan. 

We would likely need to rely on a DSCR loan.

I only had one month to sell it before my hard money loan expired.

Great tools that get updated regularly.I am on the lending side of things and would be happy to hop on a call with you anytime to discuss financial strategies and help answer any questions you may have about nearly any loan product available to help you on your journey, even if they are not products my capital partners offer.We are all here to help you learn and grow.

Therefore, the Fed decides what the shortest-term loan cost will be.

Own one home currently 1,770sqft 3bed2bath. 15yr fixed 2.625% -- Mortgage +  Escrow $1650/mo, worth $365k, owe $135kTrying to buy a $400k home to move the family into, but keep our current home as a rental property.Considering refi, heloc, or home equity loan to access equity for $80k down payment.Would rent my current house for about $2,100-$2,400/moCan someone with some knowledge/experience tell me what's the ideal way to access my equity to make the most investment sense?

On the refinance side you don't have any points/fees and depending on the type of loan you refinance that can be a substantial amount.

A lot of realtors don't know how to present the VA loan (especially if you are putting zero down).