Tenants have to provide their own subscription. 

Lenders can have different loan options based on the property type and the amount of rehab (if any) required for the project. 

This requires union tribune subscription, but many San Diegans have that subscription  https://www.sandiegouniontribune.com/2024/12/16/home-flippin...To summarize, average purchase price was $760k, average sale $915k.  

If that's the case, you should be able to rate/term refinance at ~75% LTV with a DSCR loan, and with some interest-only basis, your payment will go to ~$850 (based on ROUGH pricing TODAY).

However, if you want long-term stability and predictable payments, refinancing might be a better option, especially for larger projects.

Please share lenders who are low credit score friendly and or hard money lenders that are easy to work with, e.g. won’t tie your money up in draws. 

Are there any simpler loan options I should research as I start thinking about our next property? 

Seriously, it's important.And as mentioned above, the amount of rent you receive on multi-family properties is based on 12 month rental comps.  

Otherwise, I recommend option two, using a personal loan.

Typically, the tax is based on the assessed fair market value of the property at the time of the transfer, even if it’s not a traditional sale.