There are other ways to handle the title, but the bottom line is that you should have part ownership of business assets as a business partner.

Bottom line is if I can tie this up for 1.2M i know I would be able to sell for about 1.7m+ after a few years, or should I cash out refi, what would that look like?

Purchase price: $45,000 Cash invested: $70,000 After 8 months helping the seller clear title form the probate, we purchased the property and have been conducting an extensive rehab from top to bottom.

But the bottom line is i don't believe anyone will ever get them what they are asking. 

The 2 units on the top are residential and the 2 units on the bottom are commercial. 3 of the 4 are rented.

What is your experience on previous homes that were burned down and building a home from the bottom on the same lot?

Only bottom of the barrel lenders would entertain that magic word not being there and something like "re-positioning" being there instead, again at the whim of the randomly assigned underwriter.

The bottom line is that it is up to YOU to understand the math behind a viable house hack and to have thorough street-level knowledge of the neighborhood you intend to occupy. 

Tenant was moving out of top unit so we redid that level - Top/Bottom unit. 

There were two crashes, one started in 1986, bottoming out in 1993.