, and it sure would’ve been nice to have access to a bit more.

Acquire an adjacent lot and develop 6 or 7 townhomes.

They are publicly accessible in almost every county. 

They promised access to private lenders that lend based on the deal and not someones credit.

I'm just trying to find a way to not have my cash locked into the deal because then I have no ability to scale or acquire more properties until I'm able to cash out refinance and recycle my capital.

A 3-day cancellation notice, informing you of your right to cancel your contract if you signed the agreement in your home, or at a place other than at the contractor's office or business;All warranties on the owner's rights; A statement warning, in ten point bold type or larger, directly above the space provided for the signature, the following: DO NOT SIGN THIS CONTRACT IF THERE ARE ANY BLANK SPACES.Whether any lien or security interest is on the residence as a consequence of the contract.An enumeration of such other matters upon which the owner and contractor may lawfully agree.Any other provisions otherwise required by the applicable laws of the Commonwealth.A clause informing the owner about: any and all necessary construction-related permitsthat the contractor must obtain such permits.that owners who secure their own building permits or deal with unregistered contractors will not be eligible to access the Guaranty Fund.Acceleration of payment: No contract can contain an acceleration clause that would require any part or all of the balance not yet due to be declared due and payable because the contractor deems himself to be insecure.

@Bruce Lynn Looking for a real estate attorney to help me through the legal aspects of acquiring a small apartment building.

I may know the exact property you're describing.Few things to note - unless the property is held in an LLC and you acquire that said LLC, you will likely pay taxes of $8,500/year NOT $4,377/year, as the county will reassess the value to your purchase price.Nice to see sub-metered gas and electric.

Welcome to BP @Jared Lillard, there is a lot you can learn about here at the open forum and some videos which you can access as pro member. 

Seems like that commenter missed the fact that you're talking about Multifamily or is confused about the SBA program - it is only for Owner-Occupied Commercial (like a retail store buying out their own building).Fannie/Freddie could be a fit if you have the right net worth, liquidity, and credit, but as mentioned upline already neither agency likes an out-of-state buyer who doesn't have direct experience/ties to the market they are acquiring in, so likely not an option for commercial loan #1.