Sophia, this is an ambitious plan, and honestly, with your W2 strength, credit profile, and experience, you’re in a much better position than most people trying to pull this off.

But you can deny for credit, income, etc.

I have a great credit score and am employed.

I recently did a loan for a 5 unit mixed use and had some success with getting a loan through a credit union.

Purchase price is 210k ( plus a 6500 credit from the seller) rents I'm seeing in the area realistically are 1450-1650 per unit.

Forgot to mention this was a refi-rate & term, not a purchase. 740 credit and 1.2DSCR ratio i can message you with more info if you'd like   

So, you relied on the credit score of the borrower and the strength of their business income to get them approved?

If the STR is going great, you have equity and good income, you might be able to get someone to establish a business line or credit or loan for you that you could pay off with a cash out refi on the new property when you finish.

When it comes to HELOCs on investment properties, the options can be a bit more limited, but there are a few lenders and credit unions that still offer them depending on your LTV and credit profile.If you’d like, I can share a few tips on structuring the financing and how to make sure the tax side aligns with your BRRRR strategy — that’s where a lot of investors miss out on savings.

Quote from @Mingliang Zhang: I missed my August distribution (usually credited to my bank acct on the 15th of the month) from The Walk DST.