My thought is to use a HELOC for the down payment on a new property (20% down), then once I acquire it, do a cash-out refinance to pay off the HELOC while keeping my original low rate intact.

You could do what we call a consolidation exchange.A consolidation exchange is where you sell multiple investment properties to acquire a larger investment property or several newer properties in a 1031 exchange.

There needs to be more information regarding property type, location, type of deal (value-add or stabilized), your financial strength, experience, etc.

I will say that it was the one of the best experiences I had as a newer Real Estate Investor or even someone that’s just looking to learn more about Real Estate strategies.

Lenders often require 30-40% down.Cash flow considerations – Since all expenses must be paid from your IRA, maintain liquidity to cover unexpected costs like repairs and vacancies.Rental properties vs. commercial deals – Residential rentals and commercial properties can both be great options, but keep in mind management complexity and income stability.Generally speaking, stay compliant – Avoid prohibited transactions, such as personally guaranteeing a loan, living in or personally managing a property, or transacting with disqualified persons (yourself, spouse, ascendants, or descendants).Diversify your portfolio – While syndications and real estate are great, consider mixing in other alternative assets like private lending, tax liens, or even notes for additional risk management.Work with the right custodian – Make sure your SDIRA custodian is well-versed in alternative investments and has experience handling syndications and non-recourse financing.If you’re looking for specific lenders who offer non-recourse loans, I’d be happy to point you in the right direction.

@Taylor Georges welcome to the forums you bring some great experience to add value so I look forward to seeing your posts.  

It’s great to hear about your experience in long-term rentals, flips, and property management—I’d love to chat and learn more.I’ll send you a DM to set up a time to connect.

But at the same time, that's only my experience.

Tile backsplash may not be necessary but from our experience it really boosts the appeal of the property.

I would like to network and learn from those having been in the industry far longer who can share their knowledge and experience.