Currently, I'm in a healthy financial position, and I have 6 rentals that are all cash flowing, appreciating and under control.

GREAT info that successful local investors attend and a good healthy newbie base learning there too and the Meetups I mention here are free.Lived in the historic area of Frederick for 8 years.

I have financed my deals to this point with my personal money.I can flip it for a healthy profit but I also wonder if I cash out refi such a large amount to pay my investor back since I am acquiring so low a price.Would a hard money lender balk at me asking for close to 1mm the first time I work with them?

This strategy will depend on other things such as a healthy W2 income, rental history, otherwise low DTI ratio, etc.

They predict that in late 2018 early 2019 a healthy and normal decline will begin totaling 10-percent. 

If you have a nice place, however, and a reasonably healthy economy, and your property is priced at or slightly below market value, there's no reason you shouldn't be able to find renters that pay on time. 

Second reason would be to keep active installment credit for her so that later on she has a healthy credit profile when she does have income for any future purchases.

I suppose a healthy cash reserve could make me feel better, but man it feels like there's a good amount of opportunity cost there and I want to try to balance solvency with making sure I'm investing as much as possible as early as possible.Thanks again for your comment!

The increased rent from the legal suite & updated main floor allows us to still have a healthy cashflow even with the extra leverage.

Our business model supports having a healthy blend of both: 1) Properties we own - allowing us to create value through equity and 2) properties that generate passive income for us would the financial strains of ownership.We just acquired a SFH 2 weeks ago.