Just keep in mind that using that emergency fund to buy your next property and having tapped a HELOC already may leave you in a bad spot if you run into a similar problem again.Also, I’m not 100% sure, but I have heard that personal loans don’t your credit more so than other types of debt so be sure you look into that if you go the personal loans route and then planned to finance your next purchase soon after.

I buy most of my deals off-market, and for this particular property, I worked with a trusted broker who specializes in Harlem real estate.

If you want an ADU, buy a property with an adu.  

-Juan PabloNo clue about your program so no judgement there.. although reading from the posts on this thread.. and given the white hot market for MF the idea that folks that need credit repair or to get cash through credit cards are going to be financially viable to buy MF is   well not sure what that is other than some may say a pipe dream..

Investment Info:Condo buy & hold investment in Ashburn.

Investment Info:Single-family residence buy & hold investment.

The area has certain advantages like shelter from regulation risk (pretty much as low as anywhere in the country if you buy in the approved STR tourist zones) and long term security (people aren't going to stop going to Orlando anytime soon). 

so: buy a house. 

We have also toyed w/the idea of buying/moving into fixeriuppers and selling every 2 years. 

You can find decent SFHs in the $150k-$180k range that can cash flow if you buy right.The challenges?