We both have full time jobs and a 9 month old baby, that we would love to spend more time with in the future by supplementing our incomes.  

Unless it's going to totally kill your bottom line, I would do it if you're already having HVAC work done since it's likely going to be cheaper than deciding to add it on later down the line.It would definitely be a selling point for a prospective tenant or future buyer.  

This scenario comes down to numbers and what makes sense but for me I think putting less down to buy works well for keeping cash in your pocket for future investments/ rehab or maintenance.

That costs $ (hoping to learn how to maintain most of the HVAC systems in the future).  

Hoping to figure out the best way to look into these investments in the future.

Bad part is I lose my $33k line of credit which could be used in the future and I wouldn't have immediate funds for rehab.  

My future wife and I are currently renting but looking to purchase our first "property" together and are currently planning on owner-occupied multi-family unit.

It's in an up and coming neighborhood so I did have the idea of renting it out in the future or selling it for a profit.

I have enough capitol to buy the property cash, however that would mean me losing out on the fantastic BRRRR strategy and tying up money that I could put into future investments. 2 questions:Is there a version of BRRRR where I could self-finance the buying and renovating, then somehow refinance my money back out of it? 

My attorney was a little suspect at why they would be willing to do this, and said I may have issues on my resale if not at the same title company, or by any future seller after me- but that my liability would be limited to the increase in value above the amount of my policy.