If you are open to non-traditional methods of financing, you could use a debt service loan to bypass that requirement.

Since the funds are business credit, you wouldn’t have to worry about personal financial strain, and it allows you to keep your capital intact.I’ve seen investors use this method in various ways: some use business credit cards (with 0% APR for 12 months) to pay for renovations or bridge loans, others use business lines of credit to cover larger gaps.

Honestly, that is probably my #1 favorite feature.

Unfortunately, while there are other methods to acquire investment properties, the reality is you need cash and reserves to plan and set up your investment portfolio accordingly. 

Each lender can use their own methods of qualification on commercial properties, and most look mostly at the asset (with the exception of your FICO, experience level and reserves). 

If raising all cash would be my primary method for funding these apartment deals, what would be your guys contingency in order from most preferred to least preferred. 

(aka the BRRR method).But, if you stay on the sidelines, acting fearful and not greedy, you will reap the benefits of neither.Again I do think we see an early pullback in 2025, in the first 100 days.

Private lending using retirement funds is my personal favorite (I've done a few dozen loans like this) for the following reasons: passive, low risk, and high returns.

Quote from @Rene Hosman: Everyone's "favorite" time of year is upon us.... 

So, something to think about.Next, what methods have you used to determine what kind/size of property to purchase?