You don't want to lose your rate on the house you are living in now unless you want to sell it so since that is an owner-occupied, you need to stay there and save up the 20 percent for the second property based on what you said.

A while back, a friend of mine stumbled onto a Virginia closing cost assistance program that wasn’t widely advertised..ended up saving $5K just by asking the right questions.

It saved my quite a bit on interest costs.

After saving 15% for vacancies/maintenance and all other expenses, this property cash flows $23 p/mo and a 0.48% CoC ROI.  

What are your long term goals (eg do you want to buy another house) and do you have a large savings set aside for unexpected expenses? 

@Drake BackmanBigger Pockets is a great place to find a tax strategist specializing in real estate taxation.A good real estate tax strategist can save you thousands of dollars by leveraging entity selection and formation, tax deductions, cost segregations, bonus depreciation and tax planning.I recommend finding a tax  strategist specializing in real estate taxation, business taxation, financial planning and tax planning.Consider working with your tax strategist remotely to expand your options.I would also recommend looking for a tax strategist willing to work with you throughout the year.

This allowed us to maximize revenue and occupancy more effectively.Safely Insurance: We also decided to use Safely Insurance, which provides comprehensive coverage for guest damages, liability, and protection beyond what Airbnb or Vrbo offer.

As you purchase more, your net worth will go up more quickly than the savings in interest with the other option.

This lesser-known strategy could help you save money and reduce your monthly payments without the hassle and cost of refinancing.

Is it better to pay cash or leverage my liquidity to maximize ROI while retaining flexibility?