Employers side doesn't have that same restriction and so they can contribute 100%?

@Travis Andres - Even with looser lending restrictions its hard to fail under the 70% rule, whether BRRRR or just flipping.

Also, in the future, put a clause in your leases restricting ending the lease in winter, and you won't have this problem next time...

What do you recommend I do to be able to scale more and not have this restriction on capital?  

Augustine Beach has tight rental restrictions and have issued just 100 "Transient Rental Licenses" which, of course, are all gone.

@Sabrina Savillo I think Jacob and the others point out a very good thing regarding deal flow and the ability to find one replacement property within the time restrictions of a 1031 Exchange let alone needing to find 2.

However you can pay contractors for a flip....and the creative ppl here are surely able to get around the mortgage or paying yourself restrictions...If you were to use Plastiq up to this point and pay a bill using you are using your revolving credit (CCs) as intended.

Here is the Suntrust 2008 FORM 10-K page 35 https://www.sec.gov/Archives/edgar/data/750556/000119312509042448/d10k.htm that sums up the debt instruments they called for my company and tons others in 2008: "We discontinued originating first lien Alt-A loans to hold on the balance sheet during 2006 and until mid-2007 originated a small amount with more restrictive credit guidelines for placement in the secondary market.

The program isn't designed for investors and to me there are too many restrictions.

There is no zoning restriction for the number of family members living in a home as long as blood, marriage, or adoption relates them."