Buying with Mortgage vs Cash?

[Douglas Gratz]

Hello friends , hope all is well during these wild times.

I’ll try to keep it short . When I started I refinance all 8 of my properties . I would pay cash then 6 months later refi .

Now, however I have cash flow and money to buy outright .

The biggest thing with a mortgage is it takes a lot of the cash flow away . In my market I buy duplex's bc SFH don't work (mortgaged) bc taxes are high.

Should I start buying in cash to make these SFH cash flow ? In my market I want to get some singles instead of all apartment bc I have gotten a lot of ask for houses to rent.

I have been giving the opportunity to buy something and I can’t make my mind up. Put half down to lower mortgage payment or just pay 60k cash and take the 12% return?

Fellow landlords what do you prefer to do?