Here are the details:Buy in cost is 100k which would max out my HELOC @ 4.4% variable, with option to fix the rateApartment Details:Plan to hold for 10 yearsFirst 4 years Cash on Cash (pre-refinance): 8%Average Cash on Cash for 10 years: 12%Purchase Cap Rate: 8%Total Return on Original Investment (Cashflow + Sale): 134.46%Annual Cashflow Average: $7,500Refi cash returned after 4 years: 62K10 year IRR: 14.6%Equity Multiple: 2.34

In any “normal” market, I’d just put 0-3% down owner-occupied, pay for the reno, and call it a day.I’ll be speaking to banks/credit unions as well but what do you see as my options to refinance (or finance) after reno to pull my money out as soon as possible?

If you needed access to the equity you could refinance it or do a HELOC.

Hey y'all,I've been speaking with my lender and he can help me refinance my home with another VA loan and cash out $50k, which I told him would go towards a down payment on a new property in a year and I would rent out my old home. 

It appears I can refinance and pull out $125,000. 

My preferred exit is always a cash-out refinance.

A good one should let you buy, fix, refinance, repeat, and recycle your 150k.  

In terms of the car storage idea, as a mortgage broker I would raise at least one red flag to consider: if you ever want to refinance and you have a bunch of cars onsite, regardless of whatever the local zoning permits, that plus the somewhat obvious commercial operating business onsite will be a hard pass from most lenders.

I purchased the property (for $100k cash) in my name and then quit to my LLC at refinance but was charged $1100 for the deed and doc stamps.

In 4 years your gonna wanna refinance and pull money out for the next rental property anyway.