I'm not factoring this in right now, going based on the numbers I see.Definitely able to put down additional funds to be creative with a lender, at the numbers you are thinking. 

Built a 20 person company around our own portfolio.

We have a property management company and real estate brokerage. 

I have the funds to buy another primary residence in this area but not enough for an investment property that would require 20-25%.

Like many new investors I thought that wholesaling would be good vehicle to use to build a piggybank to fund my goal of building a portfolio of rental properties (supplement my retirement) but it seems this method gets mixed opinions.

@Andy Ptak when jumping into the industry you have a few choices:1) Start at the bottom2) Leverage your experience to convince someone to give you a chance3) Decide between:--- Big companies who will usually start you at the bottom--- Small companies that will more like to a chance on hiring you for an above entry level position.

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?

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.

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.