I understand that any of these products are subject to my debt to income ratio.

these dopes just slow everything down... 

Here's the current slow-motion renovation: UR Home InvestmentsI just haven't used a HELOC in conjunction, nor bought a multifamily. 

Personally I am a lone wolf so I go with the slow and steady approach in CA. 

There are all types of long term loan products available for commercial properties. 

Plus the market has slowed down making me a bit worried.

Especially if it's hard moneyif it's a heloc or private money and your financials are strong enough to hold both notes, they may not care to do either and just cut you a check. seasoning is common and differs by loan product and the bank overlay (meaning the bank may be more strict even if the product says 6 month seasoning and require you to wait 12)delayed finance is a bit tricky because it generally requires a lender who knows the program well.

Volatility and risk in the product type coupled with an economic slowdown... investors just aren't and won't be looking to place capital in the retail sector when other areas like multifamily and office remain hot. 

Many members are experts in their respective fields related to real estate investing, whether that is real estate brokerage, wholesaling, flipping, buy and hold, lending, self-directed IRA and Solo 401k investing, or tax and legal guidance.There are some pretty cool discounts on various products and services offered as Perks to BP members that you might want to check out: https://www.biggerpockets.com/perks/proIf you haven’t checked it out already, the Bigger Pockets blog features links to their awesome podcast and many great articles: https://www.biggerpockets.com/renewsblog/The site has quite a few tools that can be helpful for new members.

Income from RE investing is slow and boring (in a good way).