They just started sending me promotional emails again since a month or so back and their prices look decent.

This means sizeable monthly payments, but if utilizing with Value Add you can pay off the loan without a pre payment penalty at any time.Hope this helps!

My property has around $600 HOA per month.

@Yooni ChoiFor a first property, $100/month in cash flow might not be ideal, but it’s acceptable, especially with a house hack.

Other lapses include forgetting to include utility fees in a new lease which was previously discussed with the owner but the new lease got signed by an existing month to month tenant and was not shared with the owner before the tenant and the PM signed it!

Although I’m sure the bank made it clear that rents would have to go up quite a bit in order to meet the monthly mortgage obligation.

I average about $2000 a month in cashflow on the current rental property, and the new property would bring in around $3500 in gross revenue.

Then many years for the equity position to be recovered.2) let’s go no financing and use 50% rule so $900/month after sustained expenses

Not really sure how to go about financing but we're planning on having a down payment at or slightly above $100,000 and don't want to pay more than $3100ish per month. 

You may need to leave about $20,000 into the property after refinancing and you may only cash flow about $150 a month, however you can create $40,000 to $50,000 of equity right up front.