Doing a 100+ unit deal is totally doable as your first transaction.  

With growing tourism and lower competition, it’s a great way to maximize cash flow.- Creative Financing: Partnering with other investors, seller financing, or using HELOCs can help scale your portfolio faster while preserving your capital.- Land Development: Got an eye for raw land?

I have been digesting all things Real Estate so right now I am working to lower my DTI while saving at least 6-7% for the Owner Occupant down payment (to include closing cost, etc.).

I'd bet that this note is worth more to you than to most buyers until the note is much lower LTV, but I'm a novice in this space.

What I'm aiming for are turnkey rentals and trying to max out the amount of conventional, lower interest loans. again, the DTI income ratio will be IMPROVED if the property shows cash flow.

My question again stems around using seller financing to allow them to receive a consistent monthly pay of X amount and delay/lower their tax bill in the short term instead of going through a lender to borrow 800k+ causing my mortgage to be significant part of our income roughly 40-50% of take home -  which we are approved for LOL.

Congratulations on your impressive success since 2021—that's quite an achievement to have closed over 100 transactions in such a short time.

Rent growth has a larger impact on long term cash flow then initial cash flow.I am confident that on a 10 year hold, the higher cost market BRRRR in most markets will out perform the lower cost market BRRRR. 

You will have a leg up on the language, transactions, inspections etc.  

I have some of the required funds in a HYSA, but will most likely need to draw from another account and I'm curious which method is the most efficient in terms of taxes/capital gains, penalties, loan repayments, etc.Based on my previous transactions in the market, I estimate ~$45k cash to close: $20k for the down payment, $15k for closing costs and prepaids, and $10k of starting reserves.