If you're doing a 2nd mortgage on your primary residence to get the cash for down payment on the new Quad, then you're looking at needing to qualify with DTI unless you find a lender who is a DSCR lender and not a traditional conventional loan lender.  

It is a lot of traditional sales.

If the deal doesn’t make sense to finance traditionally, see if seller financing works.Now is the time to get in the market.

I do not think this is a one size fits all answer and there are times where private lending is preferred over traditional financing.

It’s great that you're exploring private equity as an alternative to traditional lending due to your religious considerations.

I use traditional comps to figure property value then use AirDNA + enemy method to factor projected income and then do a traditional underwrite of income / expenses to find return.It is important for AirDNA to have a subscription to find the most similar properties and not just rely on the number it spits out.

They are working on setting up my estate plan, traditional LLC, and my series LLC which should take about 6-8 weeks.

Private lenders or bridge lenders may also be a good fit, as they tend to offer more creative solutions compared to traditional banks.

As a rule of thumb on a run-of-the-mill purchase with traditional financing, I usually plan on coming out of pocket about 3-4% of the purchase price above and beyond the downpayment.

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