I had a 1031 exchange money to buy an investment property and did not want another fixer upper, so I decided to get a new home that was move-in ready.

There's many ways to get into a deal with low to no money down!

The only way I can access is money is through my primary residence and doing a HELOC.

It is also been my experience and observation that there are people that have money and quite a bit that do not advertise the fact.. 

If it is a private money/ commercial style  lender, it is a relatively simple process.

No one wants to put in the effort, work, time and money, into a healthy habit or - for real estate - into a solid asset.

Quote from @Marc Zak: In the market where I live (San Diego), appreciation has been strong and many predict it will continue to appreciate in the long term.However, with current interest rates (6% at best) and property tax (2%), the annual cost burden is 8%.Am I correct in saying that appreciation has to be above 8% annually (plus whatever my maintenance and vacancy costs are) for me to make any money in this scenario if the property is cash flow neutral?

Conventional, after two hard money people fell through How did you add value to the deal?

If you're looking for ways to accelerate, consider these options:Seller Financing – Some sellers may finance a portion of the purchase price, reducing your need for a large down payment.DSCR Loans – These loans focus on property cash flow rather than personal income, often requiring only 15% down.Private Money Lenders – If you can find a PML willing to work with you, you may be able to put less down.Partnerships – If you’re open to splitting profits, you could bring in a partner who funds the down payment.Since you’re okay with the slower path, just keep stacking cash, but these might be worth exploring to move faster!

They are for holding that property only - that money IS your cash flow.