In an overfunded policy, the "insurance" component is minimized for the greatest cash accumulation.

I've been saving money for about 2 years I'll say and has accumulated to having saved up $20k.

Now you get a check from your sale of $50,754 and your rents have accumulated to $6421 for a total of $57176.  

My strategy is wealth accumulation through buying, renovating and then renting renovated single family homes over long periods of time.

I've enjoyed that part and still have a way to go.Unfortunately I'm still trying to pull through with student loans and some debt I have accumulated.

Here's the scenario:Over the past few years I have accumulated 4 duplexes on the same lot and I'm working with another investor, who's now bought 2 more duplexes. 

I have had a good run so far with accumulating my properties with owner occupied financing (especially VA, of course).

I realize there are million ways to get creative financing - but I want to see what's the most common way used by BP members.if you pay cash - do you accumulate rents until you can afford to buy another rental or you made money elsewhere and invested it in a rental unit?

My plan going forward will be to accumulate money in my brokerage account (passive income as well as my career income) and keep it in stocks until I have enough for the next down payment and so on.

Buying with HML 18% interest or whatever, fix up the property put a tenant in, and refi out to a conventional 15 or 30.Perhaps its because as you said, if you are under 4 properties, its not to big of a hassle.I guess once you start accumulating more property you should start paying some off in full to make room for more properties that you can aquire via HML.