Even though there is low inventory, interest rates are high, and many properties don't cash flow, look harder there are always deals, you just need to find/make them.

Hi @Stacie Telles,Finding lenders that offer cash-out refinancing with minimal or no seasoning periods can be challenging, as many conventional lenders require a six-month to one-year seasoning period.

I like to find owner finance deals and just finance the down payment for as many years as I can for cash flow.

If you don't have the extra cash, can you get creative with a private lender or partner stacked on bank debt? 

If you have cash, you could pay off the underlying loan2.

Purchase price: $125,000 Cash invested: $120,000 First try at turning a single family home into a duplex while going through the permit process for the first time.

Like most places with growth though, it's hard to find properties to cash flow given interest rates etc. 

Obviously cash flow would be wonderful, but not necessarily needed.

I plan to utilize some cash, margin loan, 401k loan, and a HELOC as a down payment.My first house hack (now an out of state investment) has a Zestimate of $530K, and I have $266K left on the loan.

That looks pretty bad for your cash flow.