Just make your lender and title company are aware of your intentions for title/deed prep and loan underwriting purposes. 

If we do create an LLC, it looks like we get worse rates than if we buy through a personal loan.

Missed out on the great COVID rates, had to take out a mixture of Fannie and DSCR loans to close, with sub-optimal interest rates, maybe in the 7s to 9s.

While both are dependent on the bank / lender, getting a HELOC on an owner occupied loan is more feasible than getting one on an investment property.

Cash and one loan from my brother is how we financed the deal.

If you’re ever exploring options to grow or improve your properties, a DSCR loan might be a helpful tool.

We then wholesale it to me, I get a mortgage (I've been pre approved by several companies for 500k) for 400k and take possession as my primary residence, pay back the hard loan, (350 all in for 9 months) and split the difference.

(List price is $619K)-- We are concerned about the monthly costs to support a hard money loan AND do a HELOC.-- Our current rental can support a higher mortgage payment (with the HELOC), and still have $200+ positive cash flow after the refi.b.

Here is some info on that as for"skin in the game".Gift funds are acceptable as 100% down payment for loans <75% LTV/CLTV Gift funds are acceptable for loans >=75% LTV/CLTV; however, the underlying Borrower(s) must contribute at least5% of the transaction (lower of Purchase Price or Appraised Value) from their own fundso Example: A $500,000 purchase price where the LTV/CLTV is going to be 75% or higher would require the borrower to have a $25,000 of their own funds provided ($500,000 x .05% = $25,000)

IF you ever have loans you cannot fund, hit me up as we may be able to get them funded