One huge benefit of a private/HML loan is the strength of making an offer when competing with cash buyers.

We are out of state but would be open to working with someone local if they can offer favorable terms.2) Any local realtors you have worked with and been happy with?

You may just get one offer even on a really nice house with good pricing on the property.

I do agree with @Patrick Roberts in the rate and terms department, but there should be some good lenders out there offering up 80% LTV on tri/quad plexes.Good luck!

We got one offer late last year, still listed for sale but content to keep operating and cash flowing Lessons learned?

Giving you a bump because I'm sure someone can offer advice.

I was also getting credit card balance transfer offers at 0% promotional rates for a year to a year and a half and I started transferring my HELOC balances to the promotional credit cards.

They had listed it for $40k more in 8/24 and dropped consistently until 12/24, when I made my offer.

I have found my first multi-unit property that I am going to make an offer on. 

What would you do in my shoes I don’t invest there so take this with a slight grain of salt but I’ve heard multiple stories of basically this exact scenario someone getting offered a big payday for something in Cumberland, rejecting it & always for some reason (house burned down, block got worse, sheetz decided they actually didn’t want someone’s land for a car wash after all) always selling for like 10-20k and regretting not selling.