Advice on structuring to gain momentum

[Joshua Bahr]

Hi...looking for some thoughts on a couple pieces.  

I've done 3 live in flips, but have shifted to holding properties within the last 12 months.  I'm looking for advice on how to best structure to gain momentum moving forward.

Here's where I'm at...

Rental #1:  closed Oct 2020..cash flows $180/mn...mortgage is $30k, value is $45k

Rental #2: closed Sept 2nd 2021...held with private money and HELOC...all in is $60k and value is $175k...will hold this property forever

House #3: purchased in May of 2021...with bank lending...all in $124...ARV in May was $153k...can list at $170k or BRRR and rent at $1200

Initial plan was to flip #3 and use cash to pay down personal debt, have additional cash reserves going forward, and accelerate in real estate flips/holds. 

I'm trying to find the right lending product (fixed, long term) to wrap up at least #1/2, pull a little cash out, and use equity repeatedly.  Lending options thus far that I've researched..

1. Small bank: my favorite lender can only do ARM's (5 year/7 year), 4%..my concern is I plan to hold #2 forever so I'd like to lock it in.

2.  Big bank:  need 6-12 month seasoning depending on how I roll the properties up

3.  credit union: been checking into this

Looking for advice on lender and strategy to gain momentum.  Thanks!!