Access to Cash Value: A properly structured permanent life insurance policy (like an IUL or whole life) can build cash value that you can borrow against for property acquisitions, renovations, or even as a safety net during market downturns. 2.

Would you be able to do a cash out refinance and still cash flow?

It all depends on how much cash do you have, what is your credit score, did you get preapproval, will you do house hack, will you buy fixer upper?

It would be very difficult to find anything in Florida that cash flowed at 90% leverage though. 

Keep a close eye on interest rates and cash flow projections to ensure these strategies align with your financing plan.

I'd have to sacrifice my cash flow or cheat my operating expenses, or both, in order to make 1% work.

@Zoe Brennan I started with $3K cash and $8K in credit cards. 

Then you can just go to the chat, and analyze the deal, it can even pull CMA and rental estimates, count in the repairs and get you cash-on-cash or cap rate or whatever metrics you need.

Negotiating a better interest rate on your refinance would reduce your monthly mortgage payments, helping boost cash flow.

With $60K to invest, you might also consider looking at more affordable markets, either in California or out of state, where you can house hack with better cash flow.