I teach how to be credible through a concept I have developed called the 3 Pillars Of Conversion.These 3 pillars guarantees conversion no matter where you are or how old you are as long as you apply these pillars and you are dealing with the right audience.0You do this same thing every time.

If the answer is yes to both questions, I can almost guarantee the 20-25% equity your appraisals suggest you created will never be realized and is merely paper equity.

Given your experience and strong financials, you have some solid options:Commercial or Portfolio Loan: These are tailored for investors and can help you avoid personal guarantees, especially since you have an LLC.BRRRR Loan (Buy, Rehab, Rent, Refinance, Repeat): Some lenders offer BRRRR-specific loans with funding for purchase and rehab, allowing you to refinance based on the new ARV once stabilized.HELOC or Cash-Out Refi on Current Rentals: Tap into the equity on your single-family rentals to secure funding for the 4-plex purchase and rehab without high origination fees.Each has pros depending on your cash flow goals and timeline.

If you rent your home in California, it seems likely, (although not guaranteed) that both your rents and the value of your property will increase more rapidly in comparison with a lower-income / lower cost-of-living state. 

Meeting the requirements one year doesn’t guarantee qualification in future years, especially if your level of involvement changes. 

Is it debt way above the 5-6% you can get guaranteed from the bank?

You might also consider forming an LLC to manage the property-related business activities while holding the property in your name to stay within your lender’s requirements.Explore safer rental strategies: If you’re open to short-term rentals, Airbnb’s Host Guarantee provides additional liability coverage, which may offer peace of mind while keeping the property in your name.

Every local bank does dscr loans, 20yr term, with 3 or 5 yr rate reset, you might be able to get 25yr term but all will require personal guarantee to start and 3 yr historical financials.

However, appreciation is never guaranteed, so you’d need to consider how much risk you’re comfortable taking.Pros:Potential to cash in on appreciation in the future.Flexibility between STR and LTR depending on market conditions.Cons:Requires holding costs and maintenance during the interim.No guarantees of appreciation.4.

This might be a long shot, but open communication can sometimes lead to unexpected solutions.While these steps may not guarantee a resolution, they could help you find a path that avoids foreclosure and allows you to relocate your family.