Cash is always an option if you can do that. 

Let me know if you are interested in discussing this option!

But I'm looking for the cheapest option to acquire for now and then work my way up to multifamily.

Here’s a quick overview of potential pros and cons, along with general advice on working with hard money lenders like them.Pros:Flexible Financing Options: Rehab Financial Group often specializes in real estate investing and provides hard money loans for BRRRR deals, which may be a good match for your needs.Quick Funding: Hard money lenders like Rehab Financial can sometimes offer quicker access to funds compared to traditional banks, which is important for BRRRR investors looking to move fast on properties.Cons:Higher Interest Rates: Hard money lenders usually charge higher interest rates than traditional financing sources.

Check out https://legaltemplates.net/form/lease-agreement/termination/...They have more options.

It's much cheaper than Buildium and offers similar tenant screening options.

Best of luck and if you ever want to brainstorm options, happy to chat!

With the duplex, you can do both rental options.  

If a HELOC isn't an option due to Texas laws, you could consider a cash-out refinance with another property or a portfolio loan, even if you want to keep your current rate.

Having the info will help you weigh the options and make an informed decision.