Your credit score will be worth improving to acquire better financing options.

I’m curious to know what others think about these options.

@Kwanza Price - Syndications are a great options and even some QOZs. 

I used to sell Salesforce to REITs across the United States and this is what I've learned:For your needs - a CRM with a power dialer and SMS capabilities - there are a few options you might consider:Podio: This is a popular choice in the real estate community, especially for wholesalers.

There's zero reason to do this when there are plenty of options to avoid it. 

Hard money rates are really high right now, plus the rates once I cash out refi are high making it seem like the only option for me, but with the rates on both ends, just doesn't seem to justify.

So brainstorm the different options then pull the trigger!

I recognize that commercial real estate is struggling, with ~30% vacancy in downtown Portland and homelessness issues, but I believe this property’s tenant stability and quality make it a lower-risk option. 

Similar for bathrooms if virtually all are multi bathroom but you find a single bathroom, making it multi bathroom via new construction could be a value add.There are more sophisticated value adds such as add multiple adus via bonus density program.  

I am currently 21 years old and was recently hired with my dream job in Sarasota County (I saw that Sarasota wasn’t an option so I picked the closest.)