I don't need mortgages for what I do, but it's a good thing if the financial markets start to loosen up.

10 States With High, Low Down Payments Daily Real Estate News | Tuesday, June 16, 2015 As lenders show some signs of loosening up on credit, home buyers are bringing less money to closing.

(I suppose that rule would loosen up a bit if I knew the house would cash flow so incredibly we'll that I could rent it out for six months, then sell it and not lose money.).

I would recommend getting yourself a good mortgage broker, they will be able to shop around and find lenders who can give you a line of credit against your equity.Lending regulations from APRA have loosened here in the past few weeks, prior to that, essentially the bank watchdog, was throttling the lending market for all except first home buyers who cant afford to purchase here anyway...A few weeks back they removed the tight leash on the banks, and with the interest rate cut past couple of weeks, funding will get easier, so if it has been a month or more since you tried a few banks, I would start trying again...but again, would highly recommend a mortgage broker to assist. 

Get and good one and don't settle or loosen your standards.

Everyone is noticing lending standards loosening up but beware of max LTV cash out refis at the height of a market cycle.    

Try looking outside of OC and loosening up your criteria from A+ areas.  

But I just don't see how anything can possibly come close to using hard money to do what I'm doing.Now the one thing I'll add is that banks are really loosening up their guidelines quite a bit.

Hi Rob,Thanks for your comment and 100% agreed.Your comment is "candy to my eyes" lolI replied on Jeff's comment about how folks looking to leverage should replicate what he has done and now I'm happy to say that folks looking to use all cash should replicate your strategy.Finding the right people and building the foundation of your portfolio with cash is a great way to invest.Live frugally and eat S#@% for years while throwing every penny into real estate.Been there and done that.Once the passive income starts pouring inThen you can loosen up and spend more.The first of the month is always round the corner :)Keep the dream alive and much success

I have seen many airbnbs crop up as people feel like market has loosened up even though not official.