I’m a high income W2 earner getting hosed on taxes (currently own 5 properties).

As an aside, insurance companies are inspecting most properties one way or another in the current market. 

I currently live in it as my primary residence but had plans to eventually rent it out and then cash out refi once I reach 20% equity in the property.

Could the prices be lower than the MLS?

VA loans are the only loans that allow this, and there is no rate penalty for it no longer being your primary home.With that in mind, you could do a cash out refinance today at a higher rate than current market rates which will create profit on the loan, we can take that profit to pay for your closing costs.

Are they a broker or a direct lender?

My current W-2 and rental income(4 duplexes in my name) have me at about 35%DTI, I am about to add another multi-fam property and it would bump my DTI to 46% even though it cash flows $2000...Do people simply start buying in LLCs(DSCR) at this point for this reason? 

We own a vacation property there and our board is looking to replace our current property manager who is under performing to put it kindly. 

However, our current hard money lender only funds one loan at a time, limiting our ability to take on multiple deals simultaneously.

I am currently looking into private lending on another property in either Illinois or St.