I would highly recommend doing a renovation loan like the 203k or homestyle - you are able to leverage SO MUCH CASH for such a low down payment. 

Understanding your top priorities can help in determining whether Stessa, Baselane, or another tool might best fit your needs.If you're comfortable with apartments.co for rent collection but want higher yields on your cash (this is me reading between the lines) you could have the transfers go into a high yield business account like BlueVine 1.5% interest or something like CapitalOne 3.9%.

Save the low rate: Keep your current loan and focus on building savings for the next down payment through budgeting or a side hustle.2.

Some people are able to save money and budget and others are not really good at it.

I have a W-2 Job, capital saved up for a down payment (or two), and a buy box based on my affordability.

You don't have to be a contractor but it will save you a good chunk of money. 

That's when we call you, so cash deal, not hard money, no financing, need to close it on Monday. 

I currently have around 100k tied up in sticks right now which I would prefer to leave in and just continue to save with the plan of getting a place in the next few years, I would get a second job to raise the funds.

Use your 9-to-5 income to save aggressively, invest in your education, and network with experienced investors.

For instance, many tribal lands are exempt from state and local property taxes, which can obviously lead to significant savings.