I know there are other financing options, but the question we cannot seem to avoid is whether or not to hold (and rent) or sell the town home.It's tempting to leverage the current equity, move out and rent it - but from what I've read / calculated, it might not be the best return compared to other options.Ideas on how we can get into another home (larger but cheaper) while also (re)starting our REI journey?

Now I’m considering doing Paul McGraw’s commercial training program and investing with him on some larger commercial projects.

My husband and I live in Redding and can refer to you a great agent who sells larger apartment complexes.

Conventional loans feature lower PMI and competitive interest rates, but demand a larger down payment and credit score.

Feel free to inquire about their staff qualifications if it's a larger organization.2.

I started with a duplex and moved up to larger units from there. 

My first rationale is the smaller homes will attract the type of tenet I’d prefer compared to the larger home I currently own which would be larger families.

You need to make sure there is room on the electrical panel to add larger appliances and also plumbing is easily accessible (to keep costs down). 

That said, I have an 18-unit that would be a great addition but I'd like to bridge it until the larger refinance and then include it as part of said refinance.  

. $425k) to purchase a 12-unit Apartment ($1.5M) with 25% down ($375k from the HELOC).The remaining $50k from the HELOC could go into fixing/rehab of the 12-units.Then cash-refinance the larger amount from the 12-units to pay off the HELOC in one lump-sum (as much as possible), then using the cash flow from the apartment to pay off the rest of the HELOC.Repeat the process with a new apartment.1) Does this make sense?