CA there is NO possibility of a deficiency judgement on a purchase money owner occ loan.. borrower can walk and the worse that happens is their credit will have a foreclosure if the bank goes that route or a deed in lu. 

With your good credit you can get in to a home for just a few % down.

(Tenants not paying on time, keeping track of payments ect..)There isn't just one problem.

Commercial loans are also tracked. 

@Ali Mol In a lease-to-own agreement, the $1,666 monthly credit should be treated as a liability (deferred credit) rather than rental income, as it is allocated toward the purchase price.

Creative financing: Explore seller financing or subject-to deals for your next property, which often require less upfront cash and bypass traditional lending limits.You’re on the right track thinking long-term—house hacking and leveraging your duplex are great moves.

What documents do they require, what credit scores do they allow, how do they verify previous rental history, etc.?

Paid off HELOC, paid off business credit ($70k) that was personal guaranteed.

Hi Joe,Using a Home Equity Line of Credit (HELOC) on your primary residence can be a practical and low-cost way to fund flips, especially since the terms you mentioned include only a $200 yearly fee.

So thepointsguy calculator would suggest that you still use the credit card at 2.5%.