Quote from @Alex Clark: Looking to buy a property in OhioCleveland has a lot of areas that are great for cash flow 

I have seen 85% LTV on a purchase and 80% on a cash out refinance.

@Sundone Boutvyseth-the lowest Down for a SFR  rental  property is  15% ...if you are able to  locate an  option with 10%  down - this is likely  going to be pricey  but if you need to minize the down - it  might be  worth  using 

The market appreciates 3% per year.Pay cash for one house and rent it for $1,500.

Best I can tell all in all we about 3X cash on cash over 5 years.infil lots depending on lot we could double our money in 9 to 12 months cash on cash.. so on and so forth.

NJ is a big one—places like Newark, Paterson, or even smaller towns have better cash flow potential.

Was it worth the sacrifice?  

In some cases interest paid on the HELOC can be tax deductible if the funds are used for home improvements.Best of luck from Fort Worth! 

Bought a triplex in 2011 with all cash in my retirement account.

I personally would rather a few properties make up a sizable chunk of my net worth vs. 100 doors that appreciate a thousand a year.