- If the Association Fees are regularly increasing or the Association is poorly funded - SELL.3) How much of your TIME do you want to invest in all this?

My strategy was to establish credibility with one OTA before diversifying.

Look at how people invested 20, 40, or 60 years ago.

Quote from @Kyle Kline: Hello,I am curious if anybody has experience using short note investing to raise funds for an investment property down payment.

@David Robertson Being a wholesaler might have helped you with industry relationships but by no means prepares you to invest the money of others.

I don't think enough people consider this aspect.Selling Stock: Selling part of your portfolio could work, but the 15% capital gains tax might make this an expensive choice unless the stock has underperformed or you’re diversifying away from riskier investments.HELOC: Using a HELOC on an existing property is a flexible and relatively low-cost option.

I’m also open to exploring short-term rentals, private lending, or passive investing in funds—anything that maximizes returns while keeping risk and time commitments manageable.For context, I’d consider leaving my job if this could become a full-time venture that surpasses my current compensation (low-mid six figures).

Fortunately for me, I started investing a time in the market where everything went up.  

hey David,As a broker, I have several options if you're looking to only touch the equity in a second position lien on investment property. 

Investment Info:Single-family residence fix & flip investment.