DSCR can cash out 80% even on 2-4 units, but I was referring to OP's request for HELOC on investment properties To further clarify my previous post: 80% LTV HELOCS on investment properties are available on single family homes, 75% LTV HELOCS on investment properties are available for 2-4 units. 2nd position?

As we all know, the standard way BP says to calculate cash flow actually leads investors away form long-term opportunity and leaves a lot of investors on the sidelines because they don't understand IRR and the multi layered dynamics of investing long-term.  

My commissions fund my investments and it works great!

It all started when my wife's college friend offered me an opportunity to invest in a commercial property.

I think you're really against the strategy and that is ok, but for some people it can be a decent opportunity.

Quote from @Kyle Kline: Hello,I am curious if anybody has experience using short note investing to raise funds for an investment property down payment.

Phoenix contains a rare combination of elements that have created an outstanding market for distressed property investments, including the following:Cost Savings: Distressed properties are sold below their market value and enable investors to take hold of properties at a trifle compared to traditionally listed properties.Strong Market Fundamentals: Being among the fastest-growing cities in the country, Phoenix ensures a high demand in housing and rentals, hence good potential for resale or income from rentals.Value Creation Opportunities: Most distressed properties need renovations; thus, such situations present opportunities for investors to increase equity by adding value.Population and Economic Growth: Phoenix remains among those cities in the country which are attracting more and more residents and business; therefore, this presents good, long-term appreciation possibilities of property appreciation and income creation.Challenges to ConsiderWhile the rewards can be great, distressed property investment is not without its challenges.

If one of the greatest investors of all time believes stocks are overvalued, this may be an opportune time to shed some risk and move into a more tangible asset like real estate.The Rochester housing market is a great place to consider for investment.

Furthermore, my advice is to pick a singular investment thesis or asset class.

Look at buying my first investment property (probably a house in the 100-150k range) and begin looking for a tennant.I can imagine there a lot of different theories/ideas with what one could do here--I am just curious to see what other people think.