Under 4 units I love Paul Margetts people’s national bank.

If you are in the 30% tax bracket and put in $10,000 of your own funds and you company matches that, you have effectively earned roughly $13,000 right off the top, as opposed to you being able to put $7,000 after-tax direct into your own bank account outside of the IRA.Even if the investment options of the employer plan are not great, as a savings vehicle and means to squirrel away some good tax-sheltered savings, it can be a powerful tool.If the company is contributing to an IRA (SEP or SIMPLE), you can ask to house your account in a self-directed IRA that you could then invest into things like real estate, notes, and the like. 

However, when I talked to my lender, I found out that trying to put the entire thing in an LLC would throw a huge wrench in my plans and the banks wouldn't offer me the same type of loan or down payment.

Hi Amy,To be licensed as either a Broker or an Associate Broker, you must have been actively licensed as a salesperson and/or broker in Delaware, any other jurisdiction or combination of jurisdictions for five continuous years immediately before filing the application.I pulled this info from this website: https://dpr.delaware.gov/boards/realestate/resbroker Best of luck, there are a lot of great people on this board that should be able to point you in the right direction.

The most traditional avenue that most banks/credit unions will enable are the typical refinance (cash out refinance) to access equity. 

The bank has to have it underwrite well.

If so, how much over the the amount the bank was owed?

Or at that point do I try a bank to repay hml and then refinance from the bank?

I have about 50k worth of capital and the bank is offering a rate buy down from 4.5% to 3.875% for 3.25 points.

I’ve been told that banks in TX are not able/willing to do a cash out refi on investment properties.