Education is important, but I think the decision of how to invest money needs to hinge on how much capital you're likely to have to deploy to various activities and how much time you intend to invest actively managing deals versus selling your time into other productive endeavors. 

Conventional, FHA, and USDA all have products with very low downpayment options and government-subsidized rates for first time homebuyers who have a normal income.

Total Active Listings: 2,349 (up 17% over last year)Total Pending Listings in the Last 7 Days: 248 (1% down from last year)Total Sold Listings in the Last 7 Days: 139 (1% down from last year)Average Days on Market: 40 (vs 36 last year)Average Sales Price: $359,167 (vs $335,323 last year)Number of Price Reductions in the Last 7 Days: 688 (vs 606 last year)Sales to List Price Ratio: 97.6 (vs 98.83 last year)Number of Expired Listings in the Last 7 Days: 152 (exactly the same as this time last year)Number of Agents: 8,518 (150 less than last year)Interest Rates: About 7% (vs 7.875% this time last year)Key takeaways: We're seeing more active listings and price reductions but less pending sales, resulting in a shift from a seller's market to a balanced market.

Or you have to look for commercial or DSCR mortgages.This may mean that people on one side of the wall at your local bank (in the residential lending) might have no clue that they have a product on the other side of the wall (in the commercial lending side).

Well that just happens to be where the majority of loan products offer the lowest rate available. 

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.

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.

How you use the money is really a product of your experience (do you have any properties other than the one with the HELOC?)

You really have to have a game changing product to make it worth larger players to switch.

Houses sell on average in 4.9 months and 100% go for listing price.