(I know, nothing is certain but just hypothetically) and all cash out loans are not created equal. if you have a lot of equity you can borrow up to 60% with the lowest rate possible, which would be close to a half point lower then borrowing up to 75% loan to value. 

For investors, the current market presents a mixed bag: while short-term rental income may be lower, Miami remains a strong market for long-term growth as affordability attracts more tenants.What’s your take on Miami’s rental market?

Using a Whole Life Insurance (WLI) loan avoids banks but accrues interest, potentially reducing policy benefits—compare this with other financing options like HELOC or seller financing.

From my experience, cities like Greenville, Columbia, Augusta, Huntsville, Chattanooga, and Jacksonville offer strong house-hacking opportunities with growing job markets, solid rental demand, and affordable multi-family options.

Also, I've always wondered why arbitragers don't negotiate an option to buy upfront?

I do agree with @Jules Aton though, the best option may be to wait and save up for your down payment.

If I wasn't able to get the cash together, using a private lender would've been a good option.

.- Investors get access to real estate cash flow with lower costs and no landlord responsibilities.- The whole process is simplified—no co-ownership legal headaches.I’m curious about the pros and cons of something like this.

I just received two different verbal offers that I'm willing to accept, but don't want to waste time with someone whose deal may fall through.What are my options to enter into a contract with someone who is qualified?

Regarding price, do you have any suggestions on how I can get him to agree to a lower price?