https://www.biggerpockets.com/forums/12-starting-o...To reiterate what I wrote there:- "As long as you've accumulated sufficient equity, and your DTI ratio is fine with your Lender, using HELOCs as deposits (and starting new mortgages for the rest) is probably the best/easiest way to keep buying real estate - using NONE of your own money!

With hindsight being 20/20, I have decided that it's best if I start to accumulate properties to buy and hold.

The secret to wealth accumulation is to always buy under-market bargains!

See example 7; it's just something to keep in mind for those that live in lower cost housing areas; you may not be able to accumulate several inexpensive SFH if that's your plan.

Best case scenario would be that your 4 plex has good cash flow. in years time you when accumulate enough for another down payment for a new place, you can either rent out the entire 4 plex, and buy a SF home, or house hack once again.

Hi Steve,I think you will find as I talk to a lot of investors that accumulating more houses over time creates more challenges as it doesn't scale real well.  

Hi all, new member, but long time lurker here.I recently accumulated about $1.3mm equity in a few San Jose (Willow Glen) SFHs.I'm looking to deploy the equity in one or more new properties in SF.  

Using an LLC, I thought that $3,000/mo "extra" could be put in the bank and accumulate up until we need to use it to pay off the note. 

., located at ..........................Each month rent will be paid in the amount of $200, per week, starting October 5th, 2017 and ending at the termination of this lease agreement, or otherwise previously agreed upon, as stated below, including the months which have 5 pay periods.The extra pay periods will accumulate and may be applied toward the last months’ rent.It may not be misconstrued that...........................(................) is responsible for the payment of rent, and this lease agreement is between the parties stated in the third paragraph of this Lease Agreement.If an error, or stoppage, occurs in the automatic deposit, either by the Resident or her employer, it shall be paid immediately by the Resident ................and all other late payments, fees and conditions of this agreement will apply.Should the Resident wish to change the method of payment, the Owner must first be notified in writing in such a time frame that rent will be paid in full and on time according as follows:  Rent and/or other charges are to be paid at such place or method designated by the owner as follows check or money order by mail, or cash in person.

My best friend from high school who I still communicate with on a weekly basis goes to school in Dallas currently, so I am beginning to voice my interest in the area and accumulate knowledge of the general status of Dallas as a city.