How to fund my next deal

[Thomas N.]

Hello all,

Looking into buying another SFR in my area. Not sure how I should fund my next deal. The budget is $400K.

1) HELCO  = all cash purchase with intention to refinance later on

2) Refi on another rental  property = all cash purchase

3) Conventional mortgage

Which method could save me some money at closing in NY and in the long run?  My averaging closing cost has been $20K.  Thank you.