Trim margins, uncertain market.

It might also be a conflict if you have a client looking for the same things, however this is also unlikely, it is harder than people think to get new clients and investor clients that are always looking to buy something new are very unusual for agents who are just starting out. 

I am currently uncertain if I should put 15% or 20% down.. there are pros and cons to both, and the market is wild so I am not a secure with what it will be doing in the next 2 years.

Hey y’all, I’m in a somewhat unusual situation and I need some advice.

Is this unusual? 

So we’re debating on taking advantage of the heloc while we can still get one, and since interest rates look uncertain for the future.

Before the financial crisis in 2008, it was not unusual to get a 30% cash on cash return.

(rent-ready repair and find a tenant) during this uncertain time.  

Just avoid any prepayment penalties or unusual payoff calculations.

Even in the land of money CA, because you need to live somewhere, once you own a home the money/appreciation still unusually sits waiting for the home owner to die or move to a old folks home so the kids can get their hands on it.