Your gaol is totally attainable if you ever feel like it isn't focus on the next step to reaching it.  

I’ve got a list of 8 community banks I plan on calling when I’m closer to finishing the rehab.

MFH will be more attainable in the loop?..

Our plan is to finish the rehab (15-20k) making that property on an acre worth about 120k and rent it out for $1100 on a lease option and increase the rents on the other properties to $740, $625, and $700.

We had to finish renovating our unit, bought another duplex and renovated our level again- all before baby was born.Ok that’s the backstory!

This means understanding the cost of various finish decisions as well as their associated return for the area.  

After that we did a full gut job rehab on the condemned unit including new cabinets, counter tops, appliances, shower, vanity, toilet, light fixtures, plumbing fixtures, refinished the hardwood and put LVP in bathroom/kitchen and finished it up with a fresh coat of paint.

Your problem is that in the bank there is 0 chance of them losing any money and with you they could actually lose more than what they put in.If I put 10k in a bank I am certain that 2 years from now I can drive up and pull my 10k back out.If I give 10k to you you could spend my investment either doing a crappy remodel or not even finish the remodel and then walk away. 

I've done 2 flips around the Hagerstown area, and just finished a property I'm trying to rent in Funkstown.

I am finished with this conversation.