My liquidity in 2018 went into the precious metals market.

Things to Remember:Time is our most precious commodity in life.

Life is too short and precious to deal with people like this.

We're thinking that we will probably NOT stretch for a 20% down, because, even though it will eliminate PMI, it will sap our precious, limited resources.  

Hey, didja hear the one about the bandido that after he stole some custom jewelry goes and posts on his Facebook about his newfound 'bling"? 

I may have to bite the bullet on that so I can pull the trigger with more analyzed confidence in my future fix and flip, and without exhausting precious time!  

I have seen some banks turned into Starbucks, jewelry stores, UPS or FEDEX type stores, etc. 

I have even heard of people selling land for jewelry (@Jack Butata maybe?)

Zillow is delayed behind the mls by an hour or two, so that time is precious when searching in a competitive area.

If your goal is to acquire more cash-flow producing rentals with your precious equity/capital, then you can extract $105k with a 75% LTV new mortgage (or keep the mortgage you have and look into a HELOC.)Use that as a 25% down payment on another ~$400k rental.