@Patrick Roberts & @Tim Delaney- which lenders/ loan types are good for 80%?

This should roughly take me to 150k per year and carry the loans for land and construction.

You should have a chat with your accountant, if you had a loan on the property, you may need to buy a property for more than the cash you received to defer 100% of the gain.Best of luck

If you're a single mom with student loans, a car payment, and living paycheck-to-paycheck, then $20,000 would be devastating and a reserve is critical.

@Ryan Daulton,You don't have to buy a house in SDIRA without a loan; you can easily get a loan, but it must be non-recourse.

Bonus - the interest on the loan is tax deductible!

And if it's a high amount, would you be better off just using that as a downpayment and get a standard new investment loan?

We generally advise our clients to go ahead and pay the recapture rates if death is the alternative.The good news about recapture - the deductions are a deferred tax liability to you, and an interest free loan from the government.

Most 1-4 unit real estate investors are using DSCR loans right now for any buy and holds while flippers lean on higher leverage bridge/fix and flip loan options with higher interest rates.

Do you use traditional financing or do you us DSCR loans?