I have no credit debt and $12,000 of student loan debt I'm looking to pay off within the year.

Another option is to find developers who want to build multifamily by 2026/2027 (assuming that there is loan inventory by then due to the difficulties in securing new construction loans). 

@Richard Edgar doing a cash out loan on land is EXTREMELY hard...I might even say impossible...but I can't speak for every lender in the country on this though. 

I think between the last option and this one, most folks would pay the 1% + 0.25% for the lack of PPP.Commercial Mortgage Backed Security: Net worth must be equal to the loan amount, and liquidity must be 10% of the loan amount, absentee borrower is fine/normal here. 

That is because of the financing available with the owner occupied loans with the longer (30 year) fixed rate debt.

I have a legal business in the U.S. that has been open 1.5 years and I'm wondering if anyone has any good recommendations for a personal or business loan that will give me the best rate for this purchase? 

If you need to access equity for a second investment property, a HELOC would be a better option.Currently, many investors in long-term loans are seeing reduced cash flow due to high rates, taxes, and insurance.

I have very little equity in it and my loan balance is around $400k. 

I  know that there are certain stipulations that come with the grant and I want to use  FHA  loans to keep my down payments low.

In these "quantity" areas, you'll have a very hard time finding a buyer who has a down payment and can qualify for a loan .This is an article Jack Miller wrote about the topic.Making money from the earnings of poor people is like getting orange juice from an orange tree without any oranges on it.