Quote from @Jokari Trueheart: HI, almost 11 months ago I purchased 3 duplexes and I borrowed the funds from my personal residence which I took out a equity agreement for the down payment on the investment property, great idea at the time because I have 10 years to pay it off and theres no payment requirement, but , I learned more about the consequence that it takes a large chunk of my equity the longer I take to pay it back, so my goal was to refi cash out the investment property to pay it back but I don't think theres enough equity yet to pull the full $106k needed, I only borrowed $88k but with the equity percentage for one year i'm paying about $18k in equity on top of the amount I borrowed if I pay it off in year one, so I need this paid off ASAP before it increases more.

Also, I am assuming since you house hacked that you only did 5% down, which then increases your mortgage payments compared to 25% down buyers.

Which investing strategies are you thinking of pursuing?

Not familiar with those markets, but here is my experience starting at 22 and what I regret after house hacking twice: https://www.biggerpockets.com/forums/922/topics/1133476-hous...

But if real estate investing is your priority, it’s important to consider all the costs and timelines before committing to an IUL.

House hacking is the BEST way to get started in real estate investing!

Which is why I think house hacking is best for 90% plus of new buy and hold investors.I wrote an article on this a while back that goes into more depth and you might find that helpful: https://www.biggerpockets.com/blog/get-a-loan

I just want to post this to ENCOURAGE those that are excited to get into real estate, invest in real estate, and take action in real estate in any way.

My investing partner is a GC.

For value-add investments, securing the right type of financing that accounts for the property’s potential appreciation is key.