This will likely kill your velocity to scale.It sounds like a heloc on the townhouse and then conventional at 20% without the occupancy requirement is your best bet at keeping and maintaining velocity.

What @Joe Villeneuve was referring to here is really the velocity of money; you're taking liquid assets and concreting them into hard assets.

Not all markets are correcting at the same rate or with the same velocity. 

Their big thing is Velocity banking.

All of which during that time we had our carrying costs and we missed out on recycling the velocity of our money.

This should allow you to accelerate the velocity of your money and grow your passive income exponentially.Hope this helps...best of luck!

Second, we have people come back, if they like what they've seen, for breakout sessions on our proprietary software system for help with finding properties and/or velocity banking (paying off consumer debt in about a third of the time saving the consumer up to hundreds of thousands of dollars.

I have definitely thought about turnkey but it's hard to swallow the slow velocity of money that comes along with turnkey properties, as @Dennis M. alluded.

Only thing they are missing is Velocity Banking and Turnkey.

I think what you're saying is that with a partner your interest is accelerated at a faster pace, the velocity of money thinking, in a perfect world that may be, in reality, you're dealing with partners, I assume you don't have all the say as to what to buy, hold, manage, tenant selection, use of funds, etc.