Which allows you get up to 80% liquid.

You've been able to save up and have $50K in liquid cash.   

And even in Texas :)  And myself when i used to sell property as a broker I usually worked on tough to sell properties or builders that needed to liquidate..

At the end of the day, you are pledging an asset (stocks, in your example) for potential liquidity.

Credit increased and sitting on another 100k cash now.  400k+ liquid cash.  

With all that said will the DTI still be a large issue if I have almost a $500k in equity in the current home , a couple hundred thlusand in ira/401k , and around $300k crypto that could become liquid?

You need to have liquidity. 

Here’s why it might be a smart move:Maximize ROI: With leverage, you can control a larger asset value with a smaller initial investment, potentially increasing your returns as the property appreciates.Preserve Liquidity: Keep your cash available for other investments or emergencies while still participating in lucrative real estate opportunities.Tax Benefits: Deductible mortgage interest and expenses can lower your taxable income, enhancing profitability compared to an all-cash purchase.If you have the means to buy with cash initially, you can later refinance to unlock equity for further investments or improvements.

Putting 20% down really puts a dent on our liquid money but better (we think) than it just losing value in the bank. 

So if they do nothing and let the BTFP just expire, liquidity in the markets will be toast.