You want a company with A-ratings across the board, that is a mutual company with non-direct recognition.Once your policy is created and funded and time has passed to allow for the growth of sufficient cash values (and this will change from policy to policy), you can begin borrowing from it as a source of private capital.Unlike the other financing sources mentioned above, using your policy offers an immediate source of funds without any obstacles.The benefits of cash flowing life insurance are as follows:-quick and simple loan approval-Does not impact your credit score-Does not add risk by hindering real property-Low fees and low interest rates-Growth continue in policy regardless of loans – known as non-direct recognition-Peace of mind in controlling your own loans instead of relying on a bankIn addition, the Cash Value Life Insurance Policy provides:-Guaranteed cash value accumulation-Guaranteed leveraged death benefits-Secured fixed premiums payments-Dividends-Tax preferred treatment-Creditor protection, as well as possible litigation and bankruptcy protection-Privacy, use, and controlWhen you borrow from a policy, you’re borrowing from your own cash value life insurance policy, so your approval and financing can be issued in literally hours.

I think this route might be a path of least hinderance to go.

If you have the cash to invest a full 20% down on a primary residence AND it won't hinder your ability to buy additional rental properties AND you are okay living there through a market cycle then I would say go for it.

The fees and the time involved can hinder a great deal.

Will this hinder me from selling the home?

I did try to purchase a primary residence, but thankfully someone outbid me paying 25% over ask because I would have been house broke for a little bit, which would have hindered my ability to invest in other properties.But now it doesn't make sense to me to purchase one home and bank on appreciation in SD when I can buy several MF properties outside of SD that will eventually pay for my home in SD.I would love to house hack if possible and invest out of state. 

How will this help/hinder your investment journey?

My wife and I are early in our RE investing journey, bought an old Triplex in 2019 which we sold to build a new duplex in 2022. We are in a niche Midwest market where local prices are inflated and looking to get into ...

Im on the verge of my first wholesale deal and the only thing hindering me is the seller wants a 2k Earnest Money Deposit (which i don't have at the moment).

I am mostly worried about securing financing that would interfere or hinder the refi.