When I finally got my return back, they had me owing bout $25k...but since I know and watch my numbers, I knew that it wasn't correct and I was even able to look at the return, with my elementary level understanding of their field, and find errors.

This is really dependent on the stage of your investment life.At your age starting out I would be heavier into cash and 401k.  

Hi Sammy,Glad to see you taking steps in your real estate investing career, it helps to get reps in and learn.As for what you should do, your title states that you have "little equity", does that mean there is little equity in the Florida property or you have little available for another equity investment.I'd caution a refi with little equity, as stability in the early stages of your investment career is crucial to long-term success, try not to over extend yourself and potentially end up behind.Having access to investors and partners is the name of the game for scaling and limited funds, if you have access to investor capital, working with a wholesaler to acquire a flip may be a good option just be mindful of the risks of as-is properties and having investor capital at risk. 

That is how I got started, by doing exactly this with someone who owns hundreds of units and now I'm at the same stage 3 years later. 

This home is in a great area within walking distance to an elementary school, a middle school, (both great schools) Whole foods, and the list goes on!

@Joseph O'SullivanWe have a family that comes to the OREIA 4 day summi each year and their kids are the investors…starting in elementary school.

If you're in the US or Canada and you'll have equity in properties there that you won't need for any other purpose, by all means you can take advantage of the low interest rates there to take a HELOC and pay cash for a property in Mexico with it.And, above all, whether it comes to financing or any other stage of the purchase process, make sure you don't get taken advantage of.

Also, see how they are listed IE staged, phot quality, build quality ect.. 

And here's the kicker: once completed, the property's assessment plummets from 70% to a mere 35% of its value, setting the stage for unparalleled returns.💰💼 But why stop there?

@Jeff Sprunger This meetup is in its infancy stage.