If the new owner pays on the loan its not "equity skimming" from what I understand of it.

I put a new build under contract early this month, and are now working on the loan with a credit union.

Did you close this with a hard money loan?

Over the next 5–10 years, I plan to scale to a portfolio of rental properties and eventually diversify into syndications.I’m particularly interested in the Lynchburg, VA market and other areas with strong rental demand.What I Bring to the Table:I’ve been saving aggressively, and I’m exploring physician loans to help get started with minimal upfront costs.I’ve done a lot of reading (shoutout to BiggerPockets books!)

This is how the mortgage records a payment towards the loan.

Instead of a 1 to 1 ratio, the required ratio can be 1 to 1.2 or 1 to 1.25.More on DSCR loans: DSCR loans won't use your income to underwrite the loan.

The price point and low property tax rate allow you to build a portfolio that cash flows and contains 15%-20% equity.

Ironically, these are often the best opportunities to build equity and find great deals.

What loan?

@Jordyn Ohsnot enough info to helpbut if you're using a HELOC for the down payment AND getting a loan, then you're probably negative cash flow given that's 100% leveragei would never do that unless i were going to refinance in the short term