Right now, my tenants will help to pay the down payment for the year and I will take care of the mortgage, I just don't understand a 100% the cash out refinance and how to find the right property to do it.

Not sure I understand what you are saying here. 

By understanding the factors that contribute to its strength, investors can identify and capitalize on the opportunities within the real estate sector.

Our thinking is, if we can put down lower and make the deal pencil at the higher rate, we can always refinance when rates drop, which we understand is expected in the fall/winter 2024.

I can understand that.

Im analyzing a self build and having a hard time understanding the analysis overtime. 

I understand the importance of being a responsible and ethical landlord, so I'm seeking guidance on how to navigate this transition smoothly and fairly.Thanks in advance for your insights!

That's how I understand bylaws can be changed.

Here's my experience and understanding of the law about security deposits.You cannot hold back money for anything that is normal wear and tear.  

I was active-duty Army for 3 years and Army National Guard for another 3 years.My understanding is that in order for you to buy a multifamily with a VA or FHA loan the revenue from property has to cover all expenses without your assistance.