Instead of choosing one or the other, why not own both propertiesCash out refi or get a HELOC (Home Equity Line Of Credit) on your SFR for the down payment on the 4 plex?

I will get a HELOC on this home in the 5th year for $300,000 and make the 5th payment with that.

I will get a HELOC on this home in the 5th year for $300,000 and make the 5th payment with that.

Ballpark $40,000 in home equity if I decided to use HELOC.

Sell your home, get your new home free and clear, take out a home equity loan or HELOC to purchase a rental property, then after some seasoning, refinance and put the lien on your rental property and own your home free and clear, and then rinse/repeat this process!

While it's an option, I'm not a fan of using HELOCs from a personal home to pay for down payments on rentals.

Since we are using our HELOC for down and rehab and holding costs... she isnt down to risk too much... so we have waited for a sure thing.I have a great buying agent... who was really cool about walking lots of houses... we offered on a few flip targets... offered on a few BRRR targets both singles and MF, and nada... spring is brutal in Nor Cal. 

You could try a HELOC on one of the other properties it might be a bit better interest rate than a personal loan.

She also doesn’t care if she has to buy them out but she don’t have money so would have to do a heloc or something????

However, if you're willing to go 100% on something (maybe a HELOC or a partner), you can refi it out in 6 months and get your money back.