Forced Apperception (BRRRR or buying at a discount) is also a hedge against corrections.

If you are not coming in cash and you plan to hold for five or more years, its the best time to pick up a property at a steep discount and make it work until the cycle turns again.  

@Chris Seveney I only get payoffs on loans I did not buy at a discount. 

With Minoan you can discount that 20-25%. 

As loans are offered on preREO at a discount, a payoff or reinstatement would typically generate a good return for the preREO investor.

The BP discount keeps it reasonably priced - worth the cost for sure.

The rental market is already showing signs of recovery:Spring Is Coming: Historically, the rental market picks up momentum in the spring as tenants prepare to move during warmer months or ahead of the school year.Early 2025 Trends Are Positive: In just the first week of January, we’ve seen a dramatic increase in rental applications, suggesting pent-up demand from renters who delayed their searches in November and December.What Landlords Can Do NowTo make the most of this recovery, consider:Refreshing Your Listings: Update your photos, descriptions, and pricing to ensure your properties stand out.Offering Incentives: Temporary discounts or move-in bonuses can help fill vacancies quickly.Being Patient: The market is already bouncing back, so don’t panic if your property takes a bit longer to lease than usual.What’s been your experience?

I'm unsure if you would be able to combine both loans given that the HELOC is tied to a different property than the one you got traditional financing on.A work around is if you are able to purchase the new property with the HELOC at a significant enough discount, bring the property value up via renovations or additions, then refinance the property, pulling out enough money to repay the HELOC. 

I got a reasonable discount on the purchase price, and it has made me a good amount of money over the years.

So far ive been using Rent Redi (with the BP discount) for over 2 years and its been great.