Quote from @Bonnie Low: Just curious who your clientele are and where you are marketing it?

Do a home equity line of credit, and use that money for our next investment. 

Im a very vanilla investor, and not well versed in different finance options but it seems like an acceptable, but not ideal, option for getting your foot in the door with low initial funds/experience and very little effort.

It’s a best guess for everyone.I don’t know anyone right now who is saying “I can’t wait for more inventory as I am flush in cash and am ready to buy more real estate if prices rise”.With very low inventory, there will probably be minimal movement on housing while we stay in a stalemate

Credit union is offering 6.5% mortgage loan for multifamily property. 

You got your house pre-pandemic at a steal and refinanced at those incredibly low rates, allowing you to undercut the competition significantly.

But the effort and cost to maintain 40 LLC’s would outweigh the benefit of a low probability risk. 

The group the will be hurt the most is buyers, especially low income buyers.

If not you'll get a bunch of people with no credit asking you to seller finance, etcOn average you will sell for less than when you list it with a top agent.

i agree. if you can raise your ADR and make the same amount of money with less visits, thats also less wear and tear on the property. 30% occupancy seems low though, unless that hits what your goals are and your renting season small.