You are better off buying with a bridge loan, since you will not have a PPPAlthough you could opt for a DSCR with no PPP, the rate will be similar to a bridge and/or the fees may be higher with a reduced PPP.

With that being said, all of my tenants have been renting for numerous years, so admittedly there may be some social media or other apps that are really effective too.

They all pay up and are paying off my mortgages so I’m happy and they’re happy.

Another option if this is strictly for investment purposes, you could try to go DSCR. we have one lender that will allow for 1-4 units (inv. prop solely) who will go as low as 620 fico, but your LTV may be limited to, say, 70%. qualifying would be based on the rents received, not off your $100k income. there are options out there, keep working at it and get a 2nd opinion even on a full-doc loan. hope this was helpful to some degree!

If they aren't responding to interested buyers, they are being nothing but cockblocks - I am probably better off selling it myself. 

Am I better off not using my LLC and just getting hard money under just myself?

This 4,617 square foot beauty, sitting snug on a 0.26-acre lot with 6 bathrooms, seemed like a promising catch when I snagged it off-market back in September 2023 for $610,000.

However, many lenders have backed off of portfolios and often times you will sacrificing leverage for 'simplicity'. 

Our rule for using our heloc is only if we can pay it back/off in 1 year.

I've never gotten more snail mail in my life (mortgage statements, bank statements, invoices, etc.) and it seems like every time we turn it to "paperless" options, the mortgage is sold and then I get all new mailed statements to turn off again.