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Meetups are the best confidence supplement to books and podcasts in the world.

2) Using our HELOC to supplement the down payment.. we do have some bonus payments coming at the end of the year we could pay it down plus the tax savings could help us pay it off, so maybe it would be worth it in the end? 

Hi @Philip Jones,For the refinance aspect, the main factors will be the FICO Score, cash flow of the property, and as-is value.A Higher FICO will let you get a larger loan size and lower interest rate.Good Cash Flow will ensure that your property will be profitable for you and enable you to get the max loan size that your FICO allows for.The As-is Value will play an important role in making sure that you meet the minimum requirement for a DSCR loan of 100k, but also in making sure that the rehab work that has been done provided significant value add.

I should have also added that the reason I am pulled towards real estate as a wealth generating mechanism (I.e. the appreciation aspect) is that I bought my first house with ~$20K of my own money in Baltimore (supplemented with 6K of grants), bought at the right time and did a little fixing it up, used the proceeds from sale of Baltimore home to get into the lower end of the market in quickly appreciating Seattle.

After a long search, I found the right trustworthy Mexican partner/builder which has allowed me to work on doing my own condo developments to enable to give a better deal to the buyers, including people who contacted me on BP and couldn't find something that suit their needs.

If people want money that does not enable nation states to enslave others or create wars then there's Bitcoin. 

But, if she were to transition to a job in the RE sector, she would develop a skillset that would enable her to take this much further and in her own direction.I have a couple reasons for posting this topic: the main one is that I think this is a good topic for discussion in the BP forums.

This strategy enabled me to close quickly and secure the property before it went on the open market, while also allowing flexibility for renovations and maximizing overall investment potential.

End goal is a bit different though since I am looking to supplement retirement income with cashflow which is 20-25 years out.