A cash-out refinance typically doesn't count as "earned income," which is the type of income that would impact Social Security benefits, especially if it's related to retirement or survivors' benefits.

In short - here are the reasons I pivoted to Real Estate Investing:All the benefits of Real Estate + growing STR optionsInflation raging at 10%/moCurrency wars and what or who will win them (Prec Metl or CDBC, etc.)Equities markets receive derivative pressures from credit markets and pressures on US dollarRealistic 10+ year opportunity in using Creative Financing, given monetary policies.Global disruption and impact analysis of COVID to businesses (small/large) and individualsWhat I was (originally) looking to get out of the program:Better understanding of Real Estate and it’s MarketLocally like-minded ppl that are more about collaboration than cannibalization (not reflective of BP in any way – this community is great too)Improvement in comfort level working in REI and learning “on the job”A community where I could find deals, connect with ppl for help and ask questions, etc.Business and Corporate Structure recommendations to accommodate short-term & long-term investment strategiesAnonymity strategiesAccess to vetted contracts for traditional, creative and gator (EMD) Real Estate dealsMy experience and feedback based on my expectations:Great original 6 week mentorship program.

This is an important enough detail that is quite impactful if missed.

As interest rates climb, how are Texas buyers adjusting their strategies to secure property? Are buyers leaning toward creative financing, or are there other trends you’ve noticed shaping the market?

Like @Michael Quarles and @Kristin Flores-Brockman are saying here.Occasionally there are investors who acquired an investment property with the intent to hold and put renters in, but find some unexpected negative catalysts that will impact their ability to rent it out.

That makes late payments less impactful on  e, but still emotionally draining.  

Rethinking density limitations like building height, parking requirements, and ADU permitting would be more impactful. 

For BRRRR investors, seasoning requirements can significantly impact your ability to quickly recycle your capital.While most lenders require you to hold the loan for at least 6 months (aka "seasoning"),Fabulous 5BUY - short-term bridge financing to help you with investment property acquisition.REHAB - With up to 100% rehab financing, you can stay liquid through renovations.RENT - Tenant in place or future tenant.

The shorter the prepayment term has an impact on increasing the rate.4.

Another thing to consider could be that if the property is further north where winter weather can impact them then you may see buyers less willing to move then.