My B class single family rentals have working class people in them mostly and only a small portion would be comfortable with automatic payments for something that large.

Would sellers be comfortable?

@Lucas SchlundI just read an interesting article about the Detroit STR market environment on Steadily’s blog.

My recommendation - you are 30 and a family of four - continue to save money until you feel comfortable in real estate.

A restaurant or café with outdoor dining could thrive in this environment (there are not so many around the area), benefiting from the steady local traffic while also enhancing the appeal of the residential units.

Are you comfortable reaching out directly to banks/credit unions?

The more comfortable you need to live, the worse the numbers will be. 

Financed by securing debt on a different asset in our portfolio where we could get the best terms given the rising rate environment.

You can also horseback with a single family...it's completely a personal preference based on what you are comfortable with.  

You might want to join groups or forums specifically for private lenders—BiggerPockets is obviously a great place, but local REI meetups or masterminds could also help.Also, consider sharing insights or case studies from deals you've done (if you're comfortable) to spark conversations.