Thus, your profit margin is lower (than the all-cash offer), but your ROI is higher.Putting more than 20% down might reduce your monthly payment and debt-to-income ratio, but it also ties up more of your capital, limiting flexibility.

Selling seems like the clearest path to maximize profit and flexibility—especially with $100k equity to work with.

Not everyone has that flexibility in life, so if you have the opportunity, grab it!

**Flexible Financing**: DSCR loans can offer more flexibility in terms of qualification, especially for those who may not have a traditional income stream.

Ideally completing light renovations like this shouldn't take long and you should  have a low holding cost on the hard money loan (if you used debt) and make a higher profit on the sale or have more flexibility on the payoff when you refinance  Plan on long-term and hold.

We have our lease terms but are flexible and treat people fairly.

Credit unions are often more flexible.

Or you can just be flexible on closing those properties so he can line up the 1031.

Since the property is free and clear, you might consider reaching out to local banks or credit unions, as they often have more flexibility for smaller loans.

There's room for flexibility depending on the desired tax strategy.Once you have more than a few properties, you'll want to consider software.