That will help you remove what’s left on credit and make room to use portfolio/standard or DSCR.When you are not using a local bank or credit union you are going to have to pay the typical origination fee's or points.

We are using a SmartThings hub with 2 of our Zigbee enabled smart locks with tapered bolts that rarely jam.

I thought I might be missing something since im using a Mac. 

Lots of realtors on here BS your returns but thats the truth your not going to make money buying using a manager at 25 down in 2024, its just not happening unless you pay cash. 

Am I tracking that your strategy was using a HELOC from your primary residence to fund "cash" purchases on your first two properties?  

I have partner 50/50 with new flippers, but they put half the money into acquiring the house and repairs, and I pay the other half but I use my crew to do the flip. the other person needs to have skin in the property otherwise, I just pay them a wholesaling fee.I recommend starting by using a hard money lender, as they will take risks when someone is new, and they won't lend you the money unless they feel confident the deal is good. so you are confident you can be successful.you may pay some hight interest rates, and points, but at least you know you may make money at the end 

Not sure what new western is, but in general you generate a target list using a tool like propstream and you call it asking if they would accept an offer on the property.

As far as cash reserves go my mentor and I would be using a cash partner to fund the deal.i have little in my own bank account at the moment. 

Personally, I wouldn't want to have to borrow against my property (using a HELOC) and a cash out refinance won't make sense given your low rate.I recommend doing another house hack using your personal funds.Connect with @Zack Karp if you want to explore the HELOC route more.

What tips have you guys been using as starters to start with peace of mind on your asset protection journey?