I was thinking HML due to maybe using that $$ short term to buy another property and turn it quickly.I have a lender that will not require 6 month seasoning and will do 65% LTV, but I could also do conventional and do 70% if I am willing to wait 6 months.I guess I am anxious to get going on the next venture and was looking for other ways to maximize this seed $$, if that makes sense?

Doing the option correctly, means that you would need to record an memorandum of option with the county recorder, to demonstrate that you have equity in the property.This is a win win, the family gets the money they need ASAP, and you have the opportunity to sell and maximize your return on investment, while never "owning" to the property.Like JD Rockefeller said: "Own Nothing, Control Everything!"

For example, through homepath, an investor can buy a SFH house for 10% down but a Duplex requires 20% (tri and quad are 25%)...In that case, the SFH would give a better cash on cash return because it only requires half the down payment and returns more than 50% of the duplex's cash.If both require the same down payment, you generally want to maximize your cash flow so the Duplex would be better.

.@ 3,000/mo * 50% = $1,500/mo * 12 mo/yr = $18,000 NOIFrom that, subtract your "mortgage payment" to get your cash flow for the year.Divide your cash flow by your investment ($100k) to get your Cash on Cash return.To me, that's one of the most important numbers to optimize as I am looking to maximize the return on my resources.

That way, I can offer a higher interest rate on their money while maximizing cash flows and reducing risk.2) Since your looking for medium term capital, you might consider offering points.

Even though I am only working part-time, my debts are minimal and I have no need for dollars at the moment--which is why they are stored in the form of yellow metal :)Matty-I haven't considered the 28% tax...might have to manuever a bit to maximize profit...thanks!

Charles, what is your goal... to maximize your long term profit from a rental unit... or do live in a home you really like for the next few years?

That tells me in order to find 2% "rule" rentals, you're either going to have to maximize the rent (difficult) or minimize the cost (easier).

Sure, but a great deal will depend on how well you know that market and your ability to maximize rent, especially in areas where property prices are largely out of whack with rental rates (such as in Orange County).

Low monthly payment to maximize the cash flow immediately?