From what I read, you have the solution already--with the cash flow and equity, pull out some cash from a property you already own either by cash-out refi, or HELOC. 

if you want Zero risk then park in your brokerage account and buy USFR, a wisdom tree ETF, pays 5.39% interest, holds 8 week UT treasury floating rate notes only, so you don't need to worry about FDIC or SPIC insurance as only way US govt doesn't pay is if we get nuked, then you won't much care about Yieldif you ok with mild risk, I put my emergency funds cash into a group of different BDCs i like, these are business development companies (mini-banks) that make loans to small to medium size companies.

Maybe the solution is to do what we teach and buy "off market".

How i came to buy my first home and why desperation caused me to think out of the box for a solution to repair my life and the steps i did to date with results. 

There are some pine trees in the back yard that may need to be cut down.

Same intel that pointed me to saying rates will be at the lowest in any 18-24 months span during Q1 '23 back in Q4 22 when things were getting murdered, and clearly lots were advised that as we saw some aggressive Q1 '23 folks in REI.This is incredibly hard to pick and in my opinion the best solution is still to be quite conservative, but not stop investing.

If anyone thinks they have the expertise to target pre-foreclosures in the face of federal laws, attorneys being in the mix dealing on either side of these matters, Realtors being aware of the legal environment, banks delaying procedures in anticipation of sales or solutions, bank employees reviewing contracts and pending steps, what a seller may do in expectation of a sale and other issues.......well, you just have at it.  

That's a really rough summary and just based on my recollection, but the point is there are solutions available. 

Lots of these shills miss the forest for the trees.

So, the government is providing a solution to something to which there is no problem.