You've identified the other components of appreciation, cash flow, and amortization of the loans.  

You can absolutely use the improved value to simply refinance  what you owe with no waiting period.

While I do help others find opportunities, I focus primarily on purchasing off-market properties myself.I began my real estate investing journey in 2019, starting with property tax sales (Tax Liens/Deeds), and have since built a strong foundation in identifying and acquiring valuable off-market properties.

They literally had me come up with $5000 extra 3 days before close and said the VP of finance simply made a mistake.Now I'm getting a $3500 sidewalk assessment. 

How do you identify an agent that has successfully negotiated steep discounts on New Builds in the Orlando/Daytona Beach area? 

Here the agenda behind the prohibitive zoning is anti-gentrification which is merely going to result in disinvestment because developers are restricted on design and density and will simply invest elsewhere. https://codelibrary.amlegal.com/codes/philadelphia/latest/ph...

I’ve identified a fantastic market opportunity in mid-term student rentals in Alicante, Spain, with tenants typically staying 5-10 months per year.

That would put you between probably $3500-4500 depending on dp, property taxes etc. 85k salary, let’s say you are taking on home 60k, like even with house hacking, you’d simply at best be extremely house poor, at worst would be challenged to afford the mortgage, the vast majority of people buying homes in our area at this point in the cycle for a variety of reason are dual income households, tbh for a single person making 85k a year, you are just much better off renting or moving to locol area if remote or hybrid.

Create a simple spreadsheet or written list to compare the features of each and identify the ones that align with your requirements.

But it's not simply locating rich people.