While we have not yet secured our first property, we have spent the last year+ educating ourselves, networking, driving for dollars, and substantially reducing our debt load.  

I will tell you that many people who invested in Class B or C apartments during that time got a variable rate loans which was based on SOFR ( secured overnight financing rate) + set number.  

Both parties have the ability, if push comes to shove, to pay off the debt or refinance, if the other party breaches that trust. 

Typically, they can give you the lowest rates However, another option that may be more beneficial is getting a LOC (line of credit) secured by the paid-off house.

For new investors, you can secure up to 90% of the ARV, and for seasoned investors, there are even opportunities for up to 100% financing, depending on the lender and the specifics of the deal.If you need any assistance or have more questions, I'm here to help.

hello my name is Moses I want to create wealth so i can have freedom to seek other pursuits

Have you secured considerably lower mortgage rates with credit unions compared to traditional bank rates?

While this rarely happens, it allows the banks the opportunity to call your loan, claiming you've breached the terms of the loan agreement.

This should give her more than enough time to earn a degree (or two), secure a nice job, save money, and have money for an investment. 

Using a 2nd lien on the target property or cross-collateralizing with another property can provide security in case of default.