Some lenders also count your retirement account as reserves.Seems like you’re on the right track, keep looking in your buy box so you know what a great deal is when you’re ready to buy.Wish you the best.

My lender isn't counting my 4 fixed and flipped in 2013 and also my 7 years of apartment management from 2014 to 2021 towards my investor's experience.

I also more generally disagree with @Jason Wray's advice to cash out refinance, on two counts.  

What you should do is not count the good reviews, but look into the bad reviews.

Also, I haven't gotten a straight answer on this, but I think depending on the lender, the heloc payments may be counted in different ways towards your DTI.  

If you subsequently purchased a property for 200k, would you count gains/losses against the 50k you now put in or against the 25k you started with as that’s what you’re actually out of pocket, depending on how you look at it.I hope I worded that clearly 

Count me in.

Only you and your agent can make the decision.If you buy it,  count on finding unexpected problems that require fixing, and make sure you have the cash on hand to cover them. 

I wouldn't count on skyrocketing appreciation in a high rise but if the numbers work or you could see yourself living there at any stage in the future maybe not a bad investment.

Would fabricated or manufactured housing count as an ADU to build, rent and possibly sell under this new law?