You have 80K liquid depending on the property type you can put 15% down on a investment property.

This might be better if you’re uncertain about refinancing or want to keep more liquidity for other opportunities.Since you’ll move in 5 years, it really depends on how confident you are about refinancing.

So I’m pretty close to you, once I pull some cash I have sitting in a flip that will probably turn into a brrr I’ll be about 70/30 stocks, I really don’t mind buying property provided I think for some subjective reason that area is undervalued/will outperform the market, but to me the stock market has a few advantages, 1. it is much easier obviously/more liquid. 2.

It no longer makes sense to buy here.Anyways, we are in the process of liquidating most of our assets here and our plan is to start buying in Indiana.

I've been working with my partner on getting a syndication going (this is not marketing myself, not looking for any more money we have more than we can deploy), and we have been focused on protecting our LP partners so our strategy is to be focused on hedging against all potential risks (project, economic, market, liquidity, currency, etc.).

This way, you'll have access to liquidity without the headache of managing separate loans and fees.Predicted Refi Rates: While no one can predict rates with absolute certainty, the general consensus is that rates may stay lower or remain stable in the short term, barring any economic shifts.

Since you have 10k liquid, I would reach out to other investors in the area and see if they might need private lending for earnest money deposits until you are ready to buy your first property.

There are several benefits of having cash in the bank/liquid reserves versus an open end mortgage (a.k.a) credit card.

If I had ten thousand liquid cash to spend, I'd probably do a house hack two-family and obtain an FHA loan with only 3.5% down. 

This allows you to leverage financing, purchase larger or multiple properties, and preserve liquidity for unexpected expenses, which is KEY!!!