If you want less leverage simply put down the funds you would use to pay down the 6.4% rate on the new property so you are at say 60% loan to value on the new house.

Great tools out there to evaluate the density of rentals, houses sold/for sale like Zillow and Redfin can give you a great perspective on these and help guide your decisions!

would like to buy the secondary house from myself through my llc, and rent it out, and use the money that I made personally to pay off my primary residence.

@Islah Barney, If your mother was living in that house for 2 years out of the 5 year look back prior to sale, then she can sell and take the first $250K of profit tax free.If the gain is more than $250K then you could rent it for a few more months. 

Think about an HVAC, storm damage, paying for housing if a tree falls on the roof, dealing with stupid insurance companies, etc.

We manage 300+ units, I've flipped over 75+ houses in the past 3 years, and I currently own 28 long term rentals.   

I've done fairly big renovations where in most cases, Im replacing almost everything in/on the house.

Start small with strategies like house hacking, leveraging your hands-on skills for value-add properties, and building a strong team or network to reduce risks.

I am a wholesaler looking to also break into house hacking, brrrr strategy, and eventually fix and flips.I am in west TX areaWhere in Tx are you currently and what strategies do you employ? 

I am currently house hacking by living in the basement and renting out the two bedrooms upstairs.