And after observing @Benjamin Aaker in action I love how he manages his debt. 

The key is to understand the capital stack, who is in line in front of you and what are their terms.The people who are getting burned may have known there was debt in front of them, but did they know it was short term or variable - did they know all the details to make a good judgment on the investment.If a property had 20 year fixed debt at 70% would you take that over 3 year debt on a variable rate at 50%? 

That said, there are some things to consider....The reason the other people on this thread were talking about a lease is because of your debt to income ratio.

Some sleep better at night with zero debt, while others love to use leverage and are willing to take on more risk.Community banks right now will go with 80% LTV.

Consolidate all of your debt if you can.

By temporarily halting distributions, we can preserve capital, manage our resources more effectively, and invest in key areas that will drive future growth and profitability.In the interim, we are taking strategic steps to strengthen our financial health, including cost-reduction measures, revenue-generating initiatives, and debt restructuring options.

Flat fee buyer agency is new but growing quickly since the August 2024 agent compensation rule changes/lawsuit settlement.

What’s even better is that I haven’t touched these profit.s Instead, I’ve reinvested it back into the business, paid off business debts, and focused on scaling further.

This new property is pumping out around a 10.5-11% cap currently.My credit score is not great as it sits, hovering around a 650 but slowly increasing as i'm paying off debt.

HELOCs are good for short term debt: rehabbing for a BRRRR/ to sell or flipping etc.