.$847 in the bank699 Credit Score133% revolving utilization/over the limit maxed out personal credit cardsQuite a bit of other high interest debt/loans borrowed during the first year in business$3,580,000 Appraised Portfolio Valuation$2,139,400 DSCR Mortgage Debt in my LLCs$1,440,600 Equity (Appraised Value-Mortgage debt)8 Remodeled SFRs1 Converted Remodeled Duplex2 SFR Remodels currently in process2 Apartment Buildings - 13/14 units occupiedA little more experience to say the least234 Audible books in my libraryAs I'm sure any experienced investor can gather, having the sizable amount of personal debt as I do, supplier house account payments due, PMLs that need to be paid, etc, not having liquidity/any money in the bank is an ISSUE.

And I understand (I think) your making interest only payments until you pay back the loan?

At the end of the day I'm ok with taking the slower path of saving up the cash for the down payments and buffer but if there's a quicker way that I'm not aware of I'm open to all options. 

I have 3 accounts per property which helps me leverage APY on savings accounts, prevent funds from being comingled, and easily set up auto payments for things like mortgage payments and utilities. 

You are still in the hook to make your underlying payments though. 

Hi Zhenyang It sounds like you are looking to determine which kind of loan will allow you to afford a higher price point based on a $1.5 Mil down payment? 

True-Up & Billing Cycle ChangeSince you were underbilled before, your current bills may reflect actual usage rather than an artificially low estimate.The switch from bi-monthly to monthly billing means your payments are more frequent, making the cost feel higher even if the overall rate hasn’t changed.2.

And they will get their payment from the buyer.  

The area has seen growth in both the residential and rental markets, making it a potentially lucrative investment.For financing, you can explore options like conventional loans, FHA loans (for owner-occupied properties), or even local programs that might offer lower down payments for investment properties.

I pulled $35K from my wife's roth IRA principle and took out a $50K 401K loan for the remaining down payment.