Richard,Due to higher rates a HELOC can sometimes be a financial burden and a deal killer down the road.

FHA loans with low down payments are ideal for this.In the meantime, focus on improving your credit score and maintaining a solid financial foundation.

Don't spend time focusing on buying your first property, spend time setting yourself up financially so you can succeed in the future. 

Choosing between these depends on your financial goals and risk tolerance.This post does not create a CPA-Client relationship.

I then spent a majority of my free time learning as much as I could on the different styles and strategies that have been utilized in the past, reading everything from Lynch’s One Up on Wall Street to Graham’s Security Analysis, to learning how to build out financial models in excel.

Invest your money in different financial investments and not real estate.  

@Olga Zelenko from a rent and leasing standpoint it is has had no financial impact thus far.

Additionally, each deep clean after a mid-term stay costs around $300 or more, which almost negates the financial benefit of the mid-term rental model. 

Great tools that get updated regularly.I am on the lending side of things and would be happy to hop on a call with you anytime to discuss financial strategies and help answer any questions you may have about nearly any loan product available to help you on your journey, even if they are not products my capital partners offer.We are all here to help you learn and grow.

Currently FHA is offering no doc short sales through 4/2025, so you wont even have to provide any financials to get your short sale  approved.