.- Personal Credit Card (11% APR and get airline miles with use, current zero balance and max is close to estimate of funds needed for project)- Conventional Rehab Loan - Lender I've used in the past has current 144-mo @5.74 which is also the lowest payment option-Hard Money - Higher rate and upfront cost, but might be good to start making those connections and building relationshipsAnything else I should consider?

Are there churches you could connect with the ministers or priests in to let them know you have rentals.

Blake, the 20 yr max is unfortunately all Ive been able to find.

And if you don't do this with permits, it might not cost anything over 30-50K max. I

But the realty is  what is need to create this dream of living off of positive cash flow while levering up to the max is very tough one to actually do in less than a decade or a few for a PASSIVE investor that does not get some serious appreciation so they can 1031 and roll up into bigger and better..

I have another rental property that has enough equity to cover it fully, but I would be pulling the max. I

I have a 457 plan through work, I currently contribute $12k a year (max is 19.5 but I can't afford that now).

You really get so much in RE by the quality of the relationships you have.Ok super helpful but I have some questions - I currently rent our the 2 of the 3 rooms in my house so at least live for almost free but I was informed that if I wanted to buy another home I had to1) if it wss far enough away could go with an vacation home loan 2) I could use the FHA MFH loan (current loan is conventional mortgage) but only if I could qualify without needing to take the income from my current house (I would rent it) into consideration because you need to be over 100miles away I was told to be able to use the FHA loan and take income from a rental property into consideration 3) put 20-25% down and do conventional financing and I dont have that for a MFH not in the hood and would require a cash out refi and not a HELOC as I wouldnt be able to pay it back fast enough or a HELOC4) not take the current home into consideration, get approved for what I can with an FHA and 3.5% down and then pay out of pocket to get a property on the gap between the FHA max I am given and the home priceI am open to your thoughts as I thought I could just turn current home into investment property (over 50% equity) and then go FHA with a MFH and move in.

@Max SkorykThank you Max. I

Hire a priest.