Quote from @Ryan Davies: We have heard of them but have chosen not to close deals through them since we have found better options.

Lots of loan options can close in an LLC, helocs usually need to close in your personal name.

I'm open to helping you explore your options.

Our strategy is looking for multi-family homes to purchase and hold as option 1. 

We have already talked with multiple HVAC contractors and splitting to two zones is just not an option because of steam heat.

What about LaZBoy is that a decent middle of the road option? 

There a ton of great DSCR options you can find on the Lenders tab at the top of the page, or connect with an experienced broker who can shop all the best lenders for you and educate you on the best options out there.

I was going to do that in an attempt to get creative with my financing options so that there are no liens on it and I could borrow against it as an option.

Outside of raising money from others or seller financing, I am looking to see if there are private or other lending options that could cover 10-20% of a downpayment on these loans with a shorter loan term of say 5 years.

However, if you want long-term stability and predictable payments, refinancing might be a better option, especially for larger projects.