Financing vs Out of Pocket

[Kozmo Roehl]

I'm 23 and currently building my first house, handling most of the work myself and paying out of pocket. I expect to complete it debt-free by next summer. I work in the oil field on a 4-weeks-on, 2-weeks-off schedule, with occasional 6-weeks-on, 2-weeks-off hitches when offered. My next project is to construct a fourplex with a small footprint, each unit being approximately 25x25 or 30x30. I'd love to hear your thoughts on funding it out of pocket versus pursuing financing, including the types of financing options available for a fourplex. What are the pros and cons of each approach?