Take a lower % ARV for better cash flow?

[Sean Mark]

Hello,

I have a property that I am currently renting out. I am considering using the BRRRR method for the first time. I am currently analyzing properties and I wondered if anyone had advise on the following:

The bank I am dealing with will give me 80% ARV, for 20 years max. At 80% for 20 years, I am having trouble making anything cash flow.

Is it better to cash out refi a lower % of the ARV to make the property cash flow better (ex. Take 70% or even 60% arv for 20 years vs 80%), even though I would have less money for the next BRRR?

Thanks,

Sean