Want to purchase my next preperty (SFH, Multifamily) with creative financing, due to lack of down payment funds required (and the market now is tough). 

we are looking to partner with someone to buy our duplex here in redwood city off-market. we are first time home buyers and looking for an investor to help with down payment and possibly financing. 

You use your down payment money as cash to do the rehab.

Hi Caleb Rehg,If you have employees you will have to pay quarterly PAYROLL taxes, but these can be taken care of by a payroll servicer such as Gusto or ADP.Otherwise, if you expect to have a substantial net income from the rental property at the end of the year, you may opt to make quarterly estimated tax payments so that you that you don't get surprised by a tax amount owed with your tax return.

The Fed will eventually allow interest rates to fall, and all that extra interest showing up in your payment calculations will shift back into the profit column (where it usually hangs out).  

Purchased replacement property for $1M using the full $480K cash to cover down payment and closing costs.

During Covid I deferred mortgage payments, so I owe a $30K balloon payment upon sale or refinance. 

I believe you can do a conventional cash out refi with your ownership interest functioning as the down payment.

You can potentially get a payment plan but that would only be on owner occupied asset.

Rates are still historically low, and I’ve seen with clients refinancing they may have a higher loan (from pulling cash out) but their over all monthly payment is comparable to what they are used to because of the lower rate.