I have the money to buy now but I would rather do creative financing and use as little money as possible out of my own pocket. looking to start with BRRR method but maybe should start with a wholesale first to fund that?

Leverage Other People’s Money (OPM) & SyndicationsI built most of my portfolio through syndications because I realized I didn’t have to fund every deal myself.

Underestimate the costs and come up short needing the funds?

How we funded itThis was a single asset syndication.

Many Gen Z buyers, however, are still in the process of securing their down payment funds or comparing loan options when they start making offers, putting them at a significant disadvantage.Looking AheadDespite these challenges, Gen Z homeownership demand remains strong.

Don't use your emergency fund. 

Control and Flexibility: With an SDIRA, you're not limited to stocks, bonds, or mutual funds.

It’s usually best to open a separate business checking account so your rental income and expenses stay organized and away from personal funds.

Maintenance and potential repairs will also require a long-term financial plan and setting aside a contingency fund for such expenses.The steady cash flow, appreciation over time, and tax benefits can make a meaningful difference to your wealth in the long term, especially with the principal paydown on the mortgage.However, if managing the property from a distance feels too burdensome, or if you’d prefer the certainty and flexibility that comes with having less debt (especially given the high mortgage rates), selling and using the $100,000 in equity to reduce your loan for your next home may be the smarter move.

If they don't NEED the money for a down payment elsewhere, the income could certainly fund their payment at a new home, rental or retirement home.