It is really that simple and the rest is using intelligent strategies applicable to tax optimization and reducinug your taxable income through deductions that you get as a real estate business owner. 

The borrower should always ensure they have a solid estimate of how long their project(s) will take and run various scenarios of numbers to select the most optimal terms.

You probably think this is not optimal.

I would start with life optimization hacks first.Good luck to you.

In a growth phase (which you are in with only 1 property) the optimal answer is B. 

If I can grow faster, that would be optimal.

Optimism back in the market/city and increasing interest rates are making it a bit tougher - but not impossible.

From my experience, legal zoom does a good job at setting up the entities but does not always consider what entity structure is optimal for tax purposes.Ryan Ragano, CPA

Basically he told me he was a CPA and mentioned that a lot of investors he does taxes for leverage everything and leave so much deductions on the table vs income...Basically he was telling that if I calculate out my deductions, I could finance only x amount to optimize my taxes and increase my Roi overall over paying all cash even with the higher interest rates on investment loans

I'm trying to figure out how I can use next summer optimally.