Both Prosper and Lending Club offer loans big enough to cover your 50% down payment.Something I would never recommend to most people, but as a last resort -- if you absolutely knew you COULD pay it off any time you wanted, you could put the down payment or at least a big chunk of it on a credit card and float it between 0% balance transfer offers until you get it paid off.

New sales in the house hack sector went from 219 last year to 224 this year.Westchester’s most popular neighborhoods for 2-4 family properties:Yonkers: 85 dealsMount Vernon: 35 dealsNew Rochelle: 17 dealsGreenburgh: 14 dealsRye: 12 deals* Ossining & Harrison: 10 deals respectivelyConclusionInventory increases across the board could signal an oncoming balanced market.

When the market is more balanced, then it may make sense to buy a primary and convert it to a rental when you move.There are exceptions, but you will need to learn how to really analyze a property to know when the numbers make sense.

It's a delicate balance as a PM.

The Northern corridor and coast is a fairly active market for small balance apartment complexes.

A conventional loan with 5% down may offer a balance of reduced PMI and attractive rates for Northern NJ home buyers with strong credit scores.

You are still gaining advantages - market appreciation where the home is increasing in value; tax write offs for depreciation, and your loan balance is going down each month too.  

We do have access to a HELOC on the property which we leveraged to purchase our current primary residence (balance borrowed has been fully repaid at this point) but we would rather not pull that lever to roll into a new property given current interest rates and the adjustable nature of the HELOC. 

Thank you for your information about akiya renovation and AirBnBs.It definitely seems like (as with all things) there's a balance between investing time and money.

Balance cost and quality—high-end finishes aren’t always necessary.The key to making the most impactful upgrades is understanding what buyers in your area want.