Do a cash-out refinance to tap some of your equity to include paying off your heloc and other debt.From a lender’s perspective, when buying real estate using a heloc for a down payment, the new payment for the cash advance on the heloc is calculated into your overall debt-to-income ratio.

There are lenders out there who will do it, be ready for a higher rate.  

I then transitioned to non-owner-occupied bank financed deals and then onto BRRRR deals using private lender financing which allowed me to scale up much faster over the last 5 years. 

Did you work with any real estate professionals (agents, lenders, etc.) that you'd recommend to others?

Can the appraiser appointed by the FHA Lender assess the rental income based on the units post renovation.

But hopefully a lender reads this and can explain it better.

We’ve been talking to some Private Lenders/Brokers recently that say they can do a DSCR cash out refi in 3 months or less.

Lenders will offer lower leverage on land than most other assets and expect to front the diligence, civil and architectural fees to entitle the land which is where you create value.

(first fourplex)I am currently in the process of figuring out the most effective way to fund the rehab.With interest rates so high, I'm terrified at what hard money lenders will quote me at... but maybe its the only way.Any other creative strategies out there other than hard money lenders?

No surprises yet Did you work with any real estate professionals (agents, lenders, etc.) that you'd recommend to others?