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

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.

There was also a loan grant available from the state of NH for first time home buyers for 3% down payment assistance.

Consider a 15 year loan.

Bonus - the interest on the loan is tax deductible!

Loan interest is deductible based on the use of the loan, not the asset securing the loan. 

Or put in your interest rate here, and your loan balance there.The art is where I think most people struggle, and I don't think this can really be done without real world knowledge.  

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

The refinance step is where you pull out this equity, typically in the form of a cash-out refinance.Here’s how it works:You refinance the property at its new appraised value (after rehab and renting).You take out a new loan based on that increased value, ideally for the full amount or more than what you originally paid for the property.The goal is to pull out enough money to cover the cost of the original purchase and rehab (or even more, depending on the property’s appreciation).This allows you to recover your initial investment, which can then be used to buy your next property.5.

@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.