If cash flow is your priority, out-of-state investing in landlord-friendly, high-yield markets (Texas, Tennessee, Indiana, Georgia) is your best bet—use the HELOC for down payments and rehabs.

Bank pushed us to 40% down payment so also executed a $85K seller carry-back loan to cross the finish line.

Add-on:  I do like that I can automate my late fees, no partial payments, etc.

If you're worried about cashflow, why would you do a 15 year loan with a higher payment -> meaning negative cashflow?

I'm looking to invest between $50k and $75k as the down payment. 

So, I'd probably lean towards you staying where you are and look for rentals to buy with the $100k as a down payment.

Instead of moving into another single-family home, consider house hacking a duplex or triplex, this allows you to use low down payment loans (FHA, conventional) and offset your mortgage with rental income, accelerating your path to financial freedom.

I’m a fan of harvesting the equity to buy more and more cash flowing properties with zero out of pocket cash for down payments.

We develop and consult new developers through the full cycle of development.Financing differs from project to project based on your equity, land cost, construction methods, etc.

Any cancellation within 60 days I get the full payment.