You could put most of your funds in the stock market and access them when needed for a HML.

.📊 Market Appreciation vs Stock GrowthHere's where it gets really interesting!

@Nick ConnorsIt’s great that you’re using your savings to invest early, and Columbus could be a solid market given your familiarity.

Explore off-market deals where competition might be less intense.Don’t get discouraged—success in these markets often comes from building strong connections and thinking creatively about deal sourcing!

I signed up for their investor profile because I am interested in the appreciation in the North Texas (or northern suburbs of DFW) market.

Quote from @Marcus Auerbach: Are the markets pricing in an expectation of inflation? 

Despite rate cuts, we aren't seeing the lending market agree with their expectations on inflation.

Rental market is pretty strong, there are a lot of good economic drivers.

Last short term rental we put on the market was booked for a 30 day stay first day on the market.

While I don't expect another 2008 size wave, I do see a large hold back of inventory coming to market.