do you prefer to have more cash or more equity?

[Mark Douglas]

hey all, so I've been house hacking a duplex since 2016 and it's finally time to sell.  after the loan payoff, commissions etc, I should clear 170k.  it won't be taxed according to my cpa.

I'm going to buy a SFR for myself (I know, I know, I should do a HELOC on the duplex and use that...I'm just ready to enjoy my life and do something nice for myself haha)

is it better to keep as much cash on hand as possible, or invest as much into the property as possible? 

initially I was thinking about putting 100k down and putting the rest in savings, but my agent was saying it's not a bad idea to put a smaller amount down and have cash to invest elsewhere

just wondering what other people like to do?

(I also have a 4plex that I'll keep renting out)

ps, I got into investing and house hacking in 2015 thanks to the BP podcasts, forums etc.  it's been full circle.  

[Eliott Elias]

I prefer to have more cash flow. You should be targeting equal proportions of cash flow, equity, and cash in the bank.