If someone wants to be paid cash under the table to avoid taxes, there are consequences to that.

The best way to start would be to start saving, you want going to need something to bring to the table.

I put in an offer quickly knowing there were already other offers on the table.

I enjoy my office job as it provides me some flexibility but also keeps food on the table while we get started in real estate.  

Or keep things like they are and just shoot for a deal where I don’t bring cash to the table but work with some investors who’ll provide all the capital I need.

Renovation of interior of units, add bbq pits outside with picnic tables.

So in order to refi in this situation, you'll need to bring the remaining 6% to the table.

Otherwise don't and you can pay however you want - just make sure you have it by the time you hit the closing table or your out appraisal and potential other third party costs if you can settle!

Interesting stat and actually illustrates a point I am going to make.Some of you have mentioned insurance companies and their actuary tables. 

I am not sure what the capacity limit is now but perhaps we can spread out a bit in smaller groups/tables if necessary.If you’re up to it, please DM me with your preferred day of the week and time and I can work on getting this rolling!