@Shayan Sameer if you are using equity from your primary home as a down payment, then you are borrowing 100% of the purchase price.

It's always a personal choice everyone has a different perspective.   

Here’s a bit of background on my current situation:I own one rental property that generates $1,900 per month in rental income, and it is paid off ($300K).My primary residence is also paid off ($288K).I’m currently building another rental property with cash ($200K).

I’ve bought my primary with various Schedule C income and refinanced a primary with lots of schedule c and a number of properties (mostly owned in LLCs but reported on my personal return).

Thanks for responding to my questionI believe you are confusing two different concepts.  

My primary residence is an apartment I rent in Brooklyn NY.

My primary goal is to identify properties in high-demand neighborhoods, with a focus on value-add potential.

I didn't know there was a different type of insurance that I needed.I had bought the home with a standard mortgage and standard insurance and then I decided later that I would flip it. 

There are some New programs coming for 2025 for primary homes, Vacation homes, and investment properties.

Right now I have a kid in college and my primary income wouldn’t be any help.