I completely agree with @Ashish Acharya's points about the cost-effectiveness of a HELOC and the potential credit implications if it’s secured by your primary residence.

Hey @Ricky HernandezGreat question, and it’s awesome to see you thinking ahead about the potential for turning your new-build home into a rental.

It's easier to scale with multifamily properties due to income potential and operations.

In your scenario you'd have a potential tax event on that $200K difference.Here's a creative way to access most of that money tax free however. 

It’s a fair point—housing construction has lagged for years—but does that excuse using tech to potentially exploit renters?

There are a few in my area that I keep an eye on to see how successful they might be and I’m always looking for properties with potential to be something grand.

I have a commitment to invest in rental properties, meet professionals  & eventually meet potential business partners!

Experienced managers can help evaluate potential investments by providing insights on rental demand, market rents, tenant preferences, and location-specific factors that affect leasing success.For example, rental properties need to be close to conveniences like major roads, shopping, and schools.

With the current mortgage rate constraints affecting how many buyers are willing to enter the market we are seeing a lot of borrowers have success with the BRRRR strategy with plans to sell in the next 3-5 years when interest rates go down.Researching potential LTR and STR rental amounts and seeing if holding for a few years is a viable option is a good analysis to do well. 

Quote from @Zach Howard: @Robby SanchezThanks for the offer - actually Texas is one of the places where I've started to look at potential properties and so on.