So does this make sense or what would you suggest here put more down like 40% I know everyone says use leverage and keep expanding and scaling but how do you do that when interest rates at 7% and cash flow is clearly negative.

Many states have homestead style laws that make it difficult to take someone's home during a lawsuit or similar event.However, cash out refinances are typically at a higher interest rate than a normal mortgage.  

Interest rates, insurance hikes, rise in real estate taxes, eviction delays, rising expenses and delinquency are just a few problems investors are encountering.

With the interest rates being a little higher right now most of our investors are putting 30-40% down to make it make sense for them.

There are less lenders who do this and the rate and fees will usually be higher. 

Those usually come with a higher rate so I would ask Guild about an escrow holdback.

I lived in the area for a bit, and saw the high AirDNA rating for the area. 

If you do not already own your primary residence, then it will be easier for you to get a loan with low to no money down with a better rate for that then it would be for another property.

Its just so hard in the current environment to get any cash flow with SFR (unless you bought when rates were lower or are doing a well-executed BRRRR). 

**Loan Agreement:** The borrower and lender enter into a loan agreement, which outlines the terms and conditions of the loan, including the loan amount, interest rate, repayment schedule, and any other relevant terms.3.