I am currently in the process of obtaining my first buy and hold property..my only dilemma is which route to go in order to finance the property..to give you guys an insight on my scenario I have good credit (740+)..access to down payment money (10,000-15,000)..no prior investment history..Im not sure if I can do a conventional loan because my debt to income ratio may be too high and from my understanding (correct me if I'm wrong) Hardmoney lenders are typically better used with flips and rehab properties..can anybody help me understand my options to financing my first buy and hold property😩..thanks, Shane

Also consider an HSA health savings account and if when kids come into the picture an ESA.

Not many break, the way we install tile floors.The main benefit of tile for us that Pittsburgh's largest industry is currently health care.

So here is my dilemma.

Use a 403b, an IRA, a health savings account, if you have kids CESAs, if married do the same for the spouse. 

I ran a multi million dollar health club in Irvine, Orange County but felt I never had time to pursue my real estate dream, needing to be at work for over 55 hours a week most weeks.

With that said, while moving out might have been the best thing you could have done for your own emotional health, that doesn't mean your LL has to "eat" your moving out with little or no notice. 

You have two additional vacant properties that you can't rent out due to needing work to make rent ready - that is the source of your cash flow dilemma.

The highest offer wins, and you cannot back out of the offer once you've made it.Finally be wary of immigration laws and health insurance/benefits.

All of my LOs as the Optionee have been from sudden sellers (sudden job transfer, divorce, health, default) of pretty houses with low equity.I didn't do any of the tricks you mentioned, but they weren't listed on zillow or wherever either.