@Michael MoikehaThere are three banks that can consistently lend in all 50 states.  

I, myself, provide consistant, reliable quality results.

An example would be Rockaway Beach Oregon, a consistent contender on many top ten lists for top value vacation rental investment cities.

If you consistently analyze properties, recognizing a good deal will be much easier when it shows up.

First off, I live here and love it here- but for more of the numbers / data side of things, the average duplex price is $200k (in more desirable areas you are looking at $300k - $450k), super consistent and steady appreciation (right around 8% YoY for the last 4 years), 2nd strongest renters market in the US this year after Miami, 3rd most duplexes of any city after New York & Chicago... the list goes on 

Yes, you can do HELOC but not want to dive into the nuancesI would rather be Avatar 1 that leverages debt by purchase rentals consistently for low down vs tying up cash into 1 house hack at 20% down.Backing in my answer with actual case studyI recently put together a case study of one our clients that has done this every year consistently since 2016 and is now on his 7 house hack.

In my market refi appraisals are consistently conservative and come in significantly lower than if there was a full market price offer.  

If you consistently analyze properties, recognizing a good deal will be much easier when it shows up.

Of course there are exceptions, for example COVID which disrupted the cycle schedule, but most of the time cycles remain pretty consistent.

Zillow consistently shows prices much higher than Redfin, for example.