This allows you to access funds while keeping your existing mortgages intact.Second Mortgage: Explore lenders who offer second-position loans on investment properties, though rates will be higher.Cash-Out HELOC : While traditional banks often restrict HELOCs on non-owner-occupied properties, some portfolio or private lenders may offer HELOCs for investors.With $15-20K in liquid funds, look for deals where you can negotiate terms:Seller Financing: Negotiate lower down payments or interest-only periods.Subject-To Financing: Assume the seller’s existing mortgage while covering the down payment.Lease-to-Own: Lock in the purchase price while using rental income to build equity.

This is not a great return, but not terrible.As others noted, there are other risks, like having the property insured at full replacement or purchase price, or if the option is 100% seller financing with no money down or very little, versus 20% traditional down payment, this can start to move it into a better investment.

This city continues to grow and evolve, making it a strong choice for real estate investment.

When I had my traditional HML company and 100% of our funds were investors

US, UK, Australia and other parts of the world are more for "traditional" investing in real estate for capital gain.

I’ve never actually been legally owed money before so I was green on how to handle things while trying to be understanding and respecting other lifestyles and career choices.

I understand why this is the choice asset for many: they are inexpensive with no barrier & easily financed (easily attainable). 

A traditional bank will not give a line of credit even if there is significant equity because it boils down to being able to pay back the money. 

I had little choice since I was financing out of a construction loan that had little time before a ballon.

If not, I'm guessing it would be treated as a traditional rental loan, either conventional or DSCR, using market rents rather than the rent in the lease agreement.