Cost Per Year to Live: -$23,292             Amortization: +5,648.46    (aka loan paydown)        Appreciation (4%): +$27,200                             ROI= $9,556/$75k= ( 12.7%)ROI is pretty good by itself, but you can add in one more figure.

Now let's say you buy a $200,000 duplex with 3.5% down (FHA loan for owner occupants) at 7.5% interest. 

Otherwise you could finance by credit card, bridge loan (use this property as a collateral) or HELOC.

Hard money loan How did you add value to the deal?

I have a feeling, and I could be wrong, that Loan Originators have a good sense of whether you'll be approved for a mortgage loan or refinance.

Investigate your choices for financing, such as FHA loans, which sometimes have lower down payments.

Use it to buy-down your loan, offset some closing costs, or pay your coach.I love that it forces buyers to realize their agent isn't free to them. 

Consider FHA loans for lower down payments, but remember, the key is to find properties where the rental income covers your mortgage and expenses, ensuring positive cash flow (although in Austin is will be hard, but not impossible, to accomplish)Aiming for five properties in five years is very ambitious but achievable with the right strategy.

Alternatively, if its for the hopes of accessing future real estate loans via the LLC then it may be a moot point as a lot of these bigger banks won't lend on an LLC that's brand new and no history of cash inflows/outflows. 

For example, I know that Lima One will waive a property's seasoning period if you use them for both the initial hard money loan and the longer-term DSCR loan.