Well, since we don't have a lot of details, I'll throw out a big picture idea, why not roll your 401k into a self directed vehicle, and use it purchase the next building?  

I even told them that I will pay off my vehicle to reduce the debt to income ratio because they believed the rent I pay is a lot, and have not 3, not 6 months of reserves, but over a years worth.I was told by a banker not to say that I want to buy another property, because underwriters think it is negative.

There is a 5% product that also has PMI, but after 5 years if there is a minimum of 20% equity you can apply to drop the PMI. which saves you the cost of a refi & the chances of higher interest rates.After that a good vehicle to increase your portfolio is the HomePath 10% investor mortgages.

Do you own any vehicles or anything of value outright??

All investment is in a separate vehicle. 

As other posters mentioned, there are many investment vehicles in the RE space.

@Nalo Coban  Congratulation on having twins, it does change the vehicle requirements rather suddenly.

Unfortunately though, it can be difficult to generalize it into an online tool, as the calculation requires a lot more information than what a standard analysis tool has.For example, IRR will be very sensitive to when capex expenses are expected to be spent, how long you'll keep the property, whether you roll the cashflow back into an investment vehicle that returns a similar rate, etc.  

im looking at putting the lot in my name. its about 10,000sq ft. so far ive called farm bureau insurance and got fed a huge line of bs. at first the guy tried to say i needed builders risk insurance when he found out i plan to build my own place. forgetting the fact i said i wanted to just buy and hold at first.then he said i should get renters insurance with the same company i have vehicles insured under. then add the property to that. no way in hell that is happening. i dont want all my eggs in one basket. an answer like that is an insult to my intelligence. he cut the crap when i said i could just put it in an LLC and cut insurance completely out of the picture. finially he told me they didnt have a product for that, then gave me that idiotic advice.im still waiting on a phone call from farmers insurance. i dont know why this is such a hard question to answer?

If you are literally bring all the cash and they are just a vehicle by which you may obtain a conventional mortgage you should get the majority of the proceeds.