For the couple hundred in extra 'cash flow' you get by doubling a payment's term, I'd much rather be done with it sooner. 

This means that every year, your IRR (Internal Rate of Return) will increase.4) In an appreciation heavy market like San Diego, the IRR is going to be the best way to calculate your earnings as cash flow is fairly low relative to initial costs (down-payment, closing costs, carry costs while placing tenants)5) To calculate your IRR, you want to use this formula: (Appreciation + loan pay down +/- Net rents)/ down- payment.you can include the Closing Costs, and carry costs, but I usually do not.

Your $80K HELOC can serve as the down payment, as most lenders require 20%-25% of total project costs upfront.

The substantial cash need for large down payment or all cash that most others don't have .

The maximum leverage I have ever seen in trading accounts is 50%, and that's very limited and select.

These programs offer options for less money down and in some cases DPA - Down payment assistance.As a banker for over 18+ years I am very skeptical when I hear a new name in the business only because its become tougher to lend with all of the new laws and credit/insurance requirements and regulations.  

My tenants had late payments, but they were eventually made whole—credit where credit is due.Another standout moment was in 2021 when a major winter storm hit the area.

We also have many unique buyer incentives where an investor can get up to a 10% price reduction to come into immediate equity, or get that 10% as a cash back at closing to reduce your down payment and increase your ROI, or buy rates down into the low 4s on 30yr loans to maximize cash flow.

And how much of a down payment do you have available to invest in the property?

And offset the previous FHA loan payment showing that you're making the payments for it so it lowers his DTI.