If the goal is replacing income, cash will allow you to get a better deal on the buy, cash flow from day one, and you can still set capital aside for improvements/capex. 

And there's always the chance the developers you try to work with on your own will try to take advantage of your lack of experience by giving you a low-ball offer.

While 20% down improves cash flow by eliminating PMI, it delays entry into the market, potentially missing appreciation.

I’m trying to get a better understanding of the unlevered IRR hurdles SFR / BTR investors have for value-add improvements.By "value-add improvements" I’m referring to upgrades made to a property that increase rent or purchase value, often including kitchen remodels, bathroom updates, solar and other energy efficiency improvements, fresh paint, a new garage door, finishing a basement, adding a deck, and updating flooring, to name a few.I’ve been hearing a lot of different reactions to this question the last few months.

Did you have a chance to submit a deal on the form above yet??

This successful project highlights our teamwork and ability to maximize value through strategic investments and improvements.

I'm not the most handy and have thought of taking a person knowledgebale in home improvement or a handyman to tour the property with me (after my offer is accepted) to gauge potential issues with the home and have a better idea of the home's condition before I have the home inspection.

I am in New York City , I use the car for my rideshare business , I have no problem personally guaranteeing the car, I’m just looking to get it off my personal name so I can improve my debt to income ratio on my personal side .

So that was a low hurdle to improve on.

Its a great feeling to provide improved housing and providing jobs to other individuals who want to be their own boss.