Where to find best pricing for owner occupy refi on fourplex in Los Angeles 57% down

[Derek Gardner]

About to close a deal all cash for $1.46M and was going to get a cash out refi after to take out about $630K in cash. A friend in lending told me I'd get better pricing if I have private lender do a $630K loan, record a deed of trust, before I close and then get a conventional loan after to refi the existing debt. I know a few people with plenty of cash who can do the private loan for me without issue.

Curious if this makes sense and if so if anyone has any good resources for getting best pricing on fourplex loan. So far I just know to check Bank Rate to see who is offering what at any given moment but I imagine there are resources beyond that -   Thx!