Doing this will show a higher return for loan underwriting.

This may help you figure out an optimal down payment percentage that may be somewhere between the 3.5% and the 40% that could give you a higher CoC return.

If there's fewer transactions, there's less opportunity for wholesalers to skim off the top.Also, wholesalers typically work with investors and with rates higher, investors have less room to pay for wholesaler fees when their net yields are already significantly compressed due to having to pay more for debt.

Deferred interest to end of loan / payments for a higher rate.3.

In the past I paid off several 6%+ mortgages when savings rates were .4%     The mortgages were 12x higher than I could earn risk-free. 

Fewer agents generally means less competition and higher fees.

The locations I am looking into right now are Conway, SC and Titusville/Melbourne, FL.What drew me to these locations are the lower costs of condo's relative to the greater Akron area, as well as the properties are sitting on the market much longer than in my area, and overall higher monthly rents. 

This approach allows you to keep your cash reserves for future expenses, but there are a few things to consider.Two Mortgages & Lender Fees: Yes, taking out equity from the first property would result in having two separate mortgages, which could mean higher lender fees.

However, the higher purchase price made it harder to find a buyer in that neighborhood, as they had trouble qualifying for the larger loan amount.

The price of the property was perfect and it has already appraised higher since purchasing.