Could be an option to avoid liquidating your investment portfolio.

Hi Sharon,There are several options for borrowers with poor credit to still get financing, the lenders will just be looking closer at some other factors such as the borrower's experience and their liquidity.

For further context, the borrower would be able to comfortably afford the mortgage with the rental income but not without it completely.I understand that potential rental income from the property may be considered for a loan amount, but I’m not sure how potential income affects the liquid amount that lenders want to see when issuing a loan.

In future deals, I would opt for financing to maintain liquidity and maximize my investment potential across multiple properties.

This larger downpayment would require me to liquidate stocks which I am not too keen of doing at the moment.As an active listener of the BiggerPockets podcast, I'm well aware that midwest markets like Indianapolis, Cleveland, etc. are the "top" markets these days in terms of current growth + affordability.

I am considering liquidating most of my portfolio of 35 rental units and exchanging into a handful of DST-721 UPREITS for a very long term hold.

I will have about 15k-20k in liquid Cash when I turn 18. 

The two main vehicles there are DSTs (mentioned above) or using a Tenant In Common deal that may have better returns and liquidity.

People confuse liquidity with safety in regards to risk.

I'm exploring different funding options and would love advice on using other people's money (OPM), leveraging business credit, or possibly borrowing against my 401k to keep more of my liquid cash.