Don’t let them pull your credit until you find a product that works for you.

You might have a higher rate on that loan product but it is worth it if you can move forward on a major cash flow or value add project. 

When it comes to getting quotes from contractors, I know I need to give them a list of things that I want done, but do I include specific products (type and color of LVP flooring, paint colors, brand of kitchen cabinets, etc.)?

Financing the lenders for this type of product tend to want a forward commitment lease signed by the tenant.

I am an empty nester who needed to find ways to be productive with my time.

., RE/Max or Keller Williams, is going to have pressure from their own management to "perform" and weed out agents who don't sell/produce enough, which means they won't even consider you if you're saying you have no intention of doing any transactions under their umbrella.I know people who have done what you describe, but they either already had a close friend who was a broker who was willing to take them on, or in one case they bit the bullet and just became a broker themselves (which is fine but is additional time and expense).

I owner-occupy a 4-plex that I bought about 6 months ago, and I'd like to utilize some that equity, but I'm having difficulty finding any loan programs for my situation (I'm aware that this would be a unicorn product). 

However, the unit will produce some cashflow. 

🔽A drop in lumber prices has invigorated demand for commercial building projects, especially for multifamily product, Sherwood Lumber chief operating officer Kyle Little told CNBC last week.

However, I need to guarantee that this platform is consistently producing high returns and proper management.