Currently, I live in Hawaii, house hacking my own property, and am looking to expand into out-of-state long-term rentals.My goals now are to master the art of wholesaling, continue raising private money, and build a strong portfolio of long-term rentals.

Finally my closing thought is, is there any downside to moving HSA banks I may not have considered?

@Ken AlmiraThe market you pick will really depend on your long term goals and the strategy you decide to implement.

As cliche as it may sound my goal is the process.

Just based on the info you provided I would take the loss and move on.

Wishing you the best of luck on your move and house-hacking journey!

If you're looking for ways to accelerate, consider these options:Seller Financing – Some sellers may finance a portion of the purchase price, reducing your need for a large down payment.DSCR Loans – These loans focus on property cash flow rather than personal income, often requiring only 15% down.Private Money Lenders – If you can find a PML willing to work with you, you may be able to put less down.Partnerships – If you’re open to splitting profits, you could bring in a partner who funds the down payment.Since you’re okay with the slower path, just keep stacking cash, but these might be worth exploring to move faster!

Quote from @Themis Kosmidis: Hello everyone,My name is Themis Kosmidis and I have recently moved to the Cleveland area.

The goal of a HELOC is a quick line of credit to either refinance or sell and pay back the HELOC as soon as possible.PS - I would recommend taking a look into the Columbus Ohio market, there's tons of 1% rule deals still within the 120-180k price point with amazing appreciation potential.

Unless new companies move into town and create replacement jobs, all that will remain are lower-paying service sector jobs.