How to buy my first investment property

[Sam Spade]

Greeting all

We live in New York and would like to buy an investment property in Florida close to Orlando as it Airbnb.

I currently own a property with a mortgage that has an interest rate of 4%. I like the loan and don't necessarily want to refinance it and have to deal with all the fees and headache of refinancing. Most of the properties that my wife and I have seen and are intrested in are about a 150000. I have that amount of equity in my home just not sure if I'll be able to pull that much out. Does it make sense to pull out enough for the down payment, should I just try to refinance my home and purchase the investment property with the refinance Or does the HELOC make sense To use as a down payment but I will still have to take out a second Mortgage on the investment property

Thank you all!!!!