I know the 2 str units would represent a nuance to most banks but I've seen a few programs that are okay with it even on 5 + MF.  

Hey @Brett RiemensniderThere are a TON of banks/credit unions that will offer as low as Prime on a heloc on your primary residence.

My bank account is connected to Stessa to eliminate the need for me to manually track income, expenses etc. 

We are not too strapped for cash, but it always seems better to have more in the bank than less.

If you go with the partnership route1) You need to manage the money going in and out of the business bank account.2) File a partnership return and be responsible for issuing K-1's3) make distributions to you and your partner for cash flow that you receiveYou will likely spend many hours on a nice gesture.I may want to consider instead to give a christmas gift or a bonus for early completion of projects.

if so what bank? 

this is the distinct different between being an actual lender like a bank .. and an investor in a fund.. two very separate transactions.. when you lend and receive collateral on the asset you get paid when it pays off or the borrower refinances etc. 

Leverage Local ResourcesEconomic Development Grants: Check with your city or county for grants or incentives aimed at affordable housing or community improvement projects.Local Banks or Credit Unions: They may be more flexible than larger financial institutions, especially if your project aligns with community needs.Partnership with Nonprofits: Collaborate with organizations interested in affordable housing or sustainable living.4.

When you go to a Bank or Credit Union, they can only offer you what products that bank or credit union offer. 

Since i had capital and had access to my commercial banks for the best rates possible on vertical and horizontal loans..