Transferring the conventional mortgage to the LLC afterward will, in many cases, trigger the due on sale clause which will cause you to go get the commercial mortgage anyways.The DSCR loan could be an option.

In the short term rental loop hole there is no loss limitation and that has the potential to be your best option for offsetting W-2 income.

Both have the Roth option.  401k has Roth built in, SDIRA is either pre-tax or Roth.   

I do have the option of moving back in with my parents in the suburbs a year from now if I need to save up any more capital.

I think refinancing would be a better option.

May is not shaping up to be a great month, but I was wondering if changing my # of guest from 10 to 8 would help with search optimization on the booking platforms. 

Quote from @William Coet: Hello,Trying to get a ballpark on what the current best terms and lenders are for 6 unit multi-family.Lowest origination fees, Lowest APR.Thanks If you go the Multifamily DSCR Loan route (instead of more traditional bank financing) rates probably anywhere from 8-10%, however, monthly debt service tempered by 30-year am and 10-year IO options 

I know med students are always looking for apartments.Best options in lewisburg are probably student housing, scrape-and-build, new multifamily, or flips.Tim

Im working with the agent on this and I gave two options to propose and she came back with the option where there is no free build out phase. 

Many of the property managers talk to each other and compare notes and share marketing ideas and 'run comps' on each other.The other option would be the 'enemy method' to search for similar size home within your community and others close by with similar amenities and scour their calendars.