Your choice should align with whether your goal is quick resale or long-term rental income, and you should consult lenders who specialize in both DSCR and rehab-friendly options.Best regards, Stevan

Take into consideration that when the person you gifted the property to will have special tax considerations as well 

My goal is to wholesale some properties single and multifamily to build some capital while fixing my personal credit and building my business credit.

I knew there were some HML lenders that did OO, but OP credit score “isn’t great” (which likely means it’s poor) and “technically don’t make much money” (which likely means he has little income).i think it is long shot any HML that does OO will take on this risk for what they can legally charge for OO loan.  

@Robin Simon I completed a refinance with my credit union at terms of 3/30/75 @6.85% I will have the renwal in 2026 and hoping rates come down a little by then.

If they sell them on amazon, they likely don't require any special handling.

I have two banks that have done so as well as a credit card, and know of a couple of organizations that have as well.

If it is a credit/equity line, you could provide a lender letter that the funds are available immediately for funding - and cured any recission period. 

Hello Andrew,I’d recommend starting by finding an agent who specializes in rental properties.

Once I sell that I’m gonna convert to a fourplex and do the ADU.going through cash quickly and also using credit cards when possible like to purchase materials.