What I'm most concerned about is the Project 2025 plan to gut HUD and most social services.

But there's no body of case law indicating that to be a concern.

If you have 10K lying around just sitting permanently in cash, then just pay down the principal on the first and be done with it.

My concern is that if i apply for a HELOC to use for the down payment before i apply for a mortgage, A) I wont get approved due to my DTI ratio, and B) I wont get approved without first showing the bank I have the 20% down payment before pulling the HELOC.

Quote from @Michell Chase: It isn't a large amount but my concern is that if I remove the tenant in July I have no deposit in the event that there are damages to the unit. 

I am very concerned.

It’s a solid option if you’re confident about refinancing before the higher rate kicks in or if you want to save more month-to-month early on.Option 2 (3.5% DP, Permanent Buydown): Lower upfront costs free up cash to invest elsewhere, and the 5.4% permanent rate adds predictability.

When I tried to open this account though, they treated me like a criminal even though I explained this repeatedly and all of my documentation was in order.My only concern about using Solera or Titan is that there's no local branch for me to access, and I'm kind of old school.

However, these activities should not cause concern for them.

As mentioned, they often come with limited returns and still require management.I’m curious—when you say active investing doesn’t appeal to you, is it because of time constraints or concerns about risk?