Many Americans and businesses are prepared for tought times, with plenty of access to liquidity.

The hard money lender will then reimburse you for your costs to keep you as liquid as possible. 

As we head towards a likely recession (OK that's my opinion) I believe investors will be looking for more diversification, willing to invest less per deal and looking for safer and more income generating investments and multiple points of liquidity.

@Kostadinos Pehlivanis You have the cart a little ahead of the horse.

I have been down the same road you are heading and it is important to make sure the cart is not in front of the horse. 

HOA's result in one more factor you have little to no control over.That's far too much liquid cash in my opinion, but as others have stated it's all based on your needs and goals and risk tolerance.

401k & IRA are a commonly used method to provide liquidity for non- QM lenders. 

its really up to you and what your business need is......if you can liquidate them and they have 0% apr for 12+ months then you can definitely make some moves.......and make sure its a card that doesnt report to your personal

Purchase price: $32,000 Sale price: $45,000This transaction was quick and clean seller was an out of town investor and wanted to liquidate this 3bd 2ba fixer upper we contracted this property and purchase it for $31,000 and immediately put it on market and sold for $45,000 small profit over $12,000 less than 30 daysWhat made you interested in investing in this type of deal?

How would you respond to a counter offer where the seller wants to cover roofing defects with liquid asphalt?