A line of credit is adjustable rate with interest only payments that will have a "draw" period usually of 3-5 years for investment properties (usually 10 years for primary home) then will amortize over the remaining term after the draw period.

They also know about real estate so less likely to charge you extra fees to get an appraisal or BPO because they can estimate the value themselves.

It's definitely possible to get a loan as a foreigner but the rates will be high(er) and the downpayment required will be as well.

Under this scenario which strategy has the highest vacancy rates.  

I have done some research, but I’ve found that many mentors and coaches are asking for significant fees, which feels like a large financial commitment, especially as a newcomer to real estate investing.

Depreciation recapture applies at ordinary income rates capped at 25%, increasing your tax liability.

Make sure to account for property taxes, insurance, and any HOA fees, as those can vary significantly in different markets and impact your cash flow.

I know broker fees are $500 so $12,500 in commission?

Not a full fledged house hack, but enough to take the sting out of the rate we got.Not all of Citrus Heights is the same, but the area near Fair Oaks/Orangevale/Carmichael has a good balance of price and quality.

Maybe half upfront and reduce the rate of interest on the balance..