There is a way to check if one or the other fits your style and goals and has content that is actually solid information.

If you are below 8%, then I'd aim cash at investments.However, if you are on your 5th property, then you understand the power of refi's.

Since you're occupying it, this may not be the case.Your bigger challenge will be understanding and avoiding taxable events:1) with the IRS2) with your local Assessors Office.Be sure to look into these before doing anything.

Like Matthew says, I took all the risk, so why am I not allowed to profit…..But again, I understand your perspective.

What I do to try to ensure a fair appraisal is I give the appraiser copies of what I believe are solid comparable sales when they walk through.

You don't need to know everything to get started; you need a foundation to build on and the rest will come through experience and then refining your education.You can build a basic understanding of investing in 3-6 months.

I know they do a 7-day free trial so you can always test it for yourself, but from what I understand you can get an extended 30-day free trial with a member referral link, so here: https://www.monarchmoney.com/referral/d2xp9tbgyrNo pressure or anything, just helpful if you'd like to do 30 days instead of 7!

@Lee Ripma to understand or for clarity- I can offer cash BUT make sure I have the preapproval of the hard money lender prior to the "cash" offer?

It’s my understanding you can only refinance when you have 20% equity which would take me more than 7 years.

I'm trying to understand how house hacking is so profitable, putting down so little money, 3.5% or 5% would make for a hefty mortgage payment wouldn't it?