It would probably help if the story you told was about accessing the equity to purchase further income producing assets rather than fly to the caribbean and buy an Audi.By putting together a small but professional looking package and going to sit down with some community banks in person, I think you'll get a tremendous amount of experience and straight feedback on what's possible or not and why.Good luck!

Just ask yourself how much out of pocket is comfortable to you and just bank on 2 of the 4 wealth generators.

If I’m going the conventional loan route for a 4-plex out of state, do I need to find a lender in the area I’m investing or can my local banks lends for investment properties out of state?

I heard banks don't lend to LLCs so I'm a little confused on that. 

At this point I have a few traditional lenders (local banks charging 4.75-5’ish %) that can close in 30 days.

I'm trying to build up enough business credit and cashflow through my rental properties to get a bank to give me a business loan on storage unit facility. 

When I reached out to a lender the other day about pre-qualification and pre-approval, I told her how much money I had in my bank accounts and she said this wouldn't be enough money for the down payment on the price range of properties I was looking at.

Read the Bank Addendum ..

Bank is doing a 80% loan. 

Go to a local bank and ask how you can get a loan for 10k.