I listen to the bigger pockets podcast while driving to work and wish I could go to the beach instead of sitting in LA traffic. personal balance sheet as of 9/14/2021assets                                           liabilities                             bank:$1617.95                              car loan:$10,555.00               savings:$14,284.36                        credit card debt:$159.63emergency fund:$840                    student loans:$0 cash:$113.14 trading account:$1775.10coin jar: $18.75credit available:$6,000 income statement Average income:$2100Average expense:$1875savings rate:$225 social security number 802 00 1031,  just kidding haha what would you do if you had my financial strengths and weaknesses.

I listen to the bigger pockets podcast while driving to work and wish I could go to the beach instead of sitting in LA traffic. personal balance sheet as of 9/14/2021assets liabilities bank:$1617.95 car loan:$10,555.00 savings:$14,284.36 credit card debt:$159.63emergency fund:$840 student loans:$0 cash:$113.14 trading account:$1775.10coin jar: $18.75credit available:$6,000income statementAverage income:$2100Average expense:$1875savings rate:$225social security number 802 00 1031, just kidding haha what would you do if you had my financial strengths and weaknesses.

For our next goal, I have a down payment for a small SF investment property sitting in the bank waiting to get used, but that won't be happening until early 2022 it seems, 6 months from now. 

@John S. It

I don't want to sit idle here.

Is there a certain amount of time the funds need to be sitting in my account in order to use them towards a down payment?

If you list too high, it sits stagnant, basically what just happened to you will happen time and time again. 

If you had 150k sitting in your account how would you invest this cash?

There's also the large mortgage payment you'd need to be able to float if the property sits empty for a month or two.The advantage to the high price market is you can invest a large amount of capital in one investment which mean less maintenance/tenant management.

Remember, you can only access around 70-75% of the value of the property in a refinance so that extra 25-30% of your money is sitting dead unless you decide to sell the home.