If you do cash out refinance it would allow to only get to 75% LTV around the high 7s with some points, they would still require to be 1st position.

To avoid trapping capital in your current deals and maintain your returns while positioning for future growth, there are several strategies to consider.First, flexible financing options can provide liquidity.

Let this thread to be a place for constructive, productive conversations, networking and working together to make some money and bring some positive light to this frowned upon industry in RE world.Thank you all for your insights, opinions, comments!!

Leasing it out via Airbnb or Vrbo is an option if available and demand is there.No creative buying strategies needed.

If you can't get to the 20% down, I think your best option is definitely a house hack, preferably on a 2-4 unit property so you can live in one unit and rent out the other 1-3 units.

Before locking the thermostat, I gave guests the option to adjust the thermostat.

This environment could allow you to leverage your cash position to negotiate better deals and acquire properties at a discount, positioning yourself advantageously for future appreciation when the market balances out.

Are they able to do that and what are my options.

One other thing is that I paid a lot in points to buy down my rate which made the mortgage initially expensive… It will also take a while to refinance (a couple years) so I don't want to wait fully for that option eitherIf my tax rate is 30%, is it right for me to think that the cost of paying interest is ~5% instead of 7%?

My next option was to remove these.Don’t forget to check your irrigation lines and valves as well, if you have any.