If you are moving from your SFR to another property, then you should be able to get a 5% down loan or even 3% if it's FHA.  25% is only if you won't be living in the property in my experience.

Yesterday I found out that my old neighbor who moved away to take care of her father, inherited the house next door upon his death. 

Definitely will be moving my other rentals over to him.  

No sooner had we even closed on the property than they found a tenant ready to move in.

If I do choose to move forward with Rentvine, I will report back here. 

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!

As opposed to someone that works a year or less at each job or even moves state to state often. 

Whenever they decide to move out, a full rehab will cash flow even better.

Looking for some input...I'm working on educating myself more when it comes to various tax benefits and trying to decide what would be the best route for me moving forward.

They would prefer a lump sum and move on.