This would be in a new development that is selling lots right now. 

Here are some common financing options:Traditional Mortgage: Obtain financing from banks with a down payment, paying off over time with interest.Hard Money Loans: Short-term loans with higher interest rates, often from private investors, suitable for quick acquisitions or credit-challenged investors.Private Money Lenders: Individuals or groups offering direct loans, with terms negotiated privately.Seller Financing: Buyers make payments directly to sellers over an agreed period, with terms negotiated between parties.Home Equity Line of Credit (HELOC): Borrow against existing property equity with a revolving credit line, typically offering flexibility.Real Estate Crowdfunding: Pool funds with other investors via online platforms for various real estate projects, offering diverse investment opportunities.1031 Exchange: Defer capital gains taxes by reinvesting sale proceeds into similar properties within a specific timeframe, useful for tax optimization.REITs (Real Estate Investment Trusts): Invest indirectly in real estate through publicly traded companies, offering liquidity and diversification.Joint Ventures/Partnerships: Collaborate with other investors to share resources and risks, leveraging each other's strengths for larger projects.Subject To Financing: Buy a property subject to the existing mortgage that's in place on the property (doesn't get paid off when the property sells).Assumable Mortgage: Buy a property and assume the mortgage that the seller already has in place.Lease Option: Rent a property with the option to buy it prior to a later date.Debt Service Credit Ratio (DSCR): A loan approved based on the income potential of the propertyThese options cater to different investor needs, preferences, and financial situations, providing flexibility in real estate investment strategies.Thanks,

Are you set on selling it?

On the other hand, if cap rates remain stable and you sell at a 5 cap, you'll be ecstatic because you'll blow through your projections and post all over BP what a great deal you just did and why you are the best investor that ever lived.Now let's say that you underwrite to a 5% exit cap and you are satisfied with the forecasted performance. 

We are going to sell our house and use the proceeds to buy a rental but my wife is the one on the house and we want to put the rental in my name only.

If the owner is going to buy and sell their properties with us than we don't charge anything.

@Chris Seveney the Detroit Land Bank sells tax foreclosed properties that Wayne County sells to the City of Detroit (more or less).These are NOT lender foreclosed properties.

Something screwy in there and your new partner could be their crazy ex or drug-addicted kid down the road.  

Even though some brokers can make and sell consumer-purpose loans, these can be a nightmare to foreclose/collect on.Brokers will typically keep the points.

Unless you can split off the SFR and sell it individually, it is significantly devalued by being coupled with the four plex.