At the end of the day, you are pledging an asset (stocks, in your example) for potential liquidity.

With all that said will the DTI still be a large issue if I have almost a $500k in equity in the current home , a couple hundred thlusand in ira/401k , and around $300k crypto that could become liquid?

Credit increased and sitting on another 100k cash now.  400k+ liquid cash.  

Here’s why it might be a smart move:Maximize ROI: With leverage, you can control a larger asset value with a smaller initial investment, potentially increasing your returns as the property appreciates.Preserve Liquidity: Keep your cash available for other investments or emergencies while still participating in lucrative real estate opportunities.Tax Benefits: Deductible mortgage interest and expenses can lower your taxable income, enhancing profitability compared to an all-cash purchase.If you have the means to buy with cash initially, you can later refinance to unlock equity for further investments or improvements.

You need to have liquidity. 

That's so cool, @Alecia Loveless!

So if they do nothing and let the BTFP just expire, liquidity in the markets will be toast.

Putting 20% down really puts a dent on our liquid money but better (we think) than it just losing value in the bank. 

Cooled a little. 

There are several reasons that someone would liquidate a home quickly, and a targeted marketing campaign like sending out mail pieces could put you in front of those sellers.