I don't owe any money on the lots, they are mine free and clear. 

I hope this recommendation helps.If you have any lending related questions, feel free to contact me. 

An LLC is not free.

Please feel free to reach out and I'll send a DM to connect. 

I would also advise looking into a commercial loan where you do a "Blanket loan" and consolidate 3-5 properties into one (1) commercial loan that does not report to credit.If you refinance to take cash out the rate will be higher but rates will be back down in less than 3 years so its not a long term rate change.

You'll find a lot of helpful information here and as it relates to financing - please feel free to reach out, I'm happy to assist. 

Please feel free to reach out if you want to discuss in more detail!

I currently own three residential properties and one commercial property.

Investment Info:Small multi-family (2-4 units) commercial investment investment in Queen Creek.

From there, call those wholesalers and ask if you can work for free for them for 3 months - this will be huge ROI for you if they accept.