Now a non licensed investor ( What you guys are calling a wholesaler is equivalent- to calling a barber a Fade  or a plumber a  pipe, cannot directly represent For Another but rather for themselves.  

if so, take a refi that gives you 20-25% of the new purchase down payment. this will allow you to keep the cash flow high on the existing and have those funds as down payment to get a loan on the new. 

On a $1m mortgage, 6% is a $5995 P&I payment.

Here are some common financing options:Traditional Mortgage: Obtain financing from banks with a down payment, paying off over time with interest.Hard Money Loans: Short-term loans with higher interest rates, often from private investors, suitable for quick acquisitions or credit-challenged investors.Private Money Lenders: Individuals or groups offering direct loans, with terms negotiated privately.Seller Financing: Buyers make payments directly to sellers over an agreed period, with terms negotiated between parties.Home Equity Line of Credit (HELOC): Borrow against existing property equity with a revolving credit line, typically offering flexibility.Real Estate Crowdfunding: Pool funds with other investors via online platforms for various real estate projects, offering diverse investment opportunities.1031 Exchange: Defer capital gains taxes by reinvesting sale proceeds into similar properties within a specific timeframe, useful for tax optimization.REITs (Real Estate Investment Trusts): Invest indirectly in real estate through publicly traded companies, offering liquidity and diversification.Joint Ventures/Partnerships: Collaborate with other investors to share resources and risks, leveraging each other's strengths for larger projects.Subject To Financing: Buy a property subject to the existing mortgage that's in place on the property (doesn't get paid off when the property sells).Assumable Mortgage: Buy a property and assume the mortgage that the seller already has in place.Lease Option: Rent a property with the option to buy it prior to a later date.Debt Service Credit Ratio (DSCR): A loan approved based on the income potential of the propertyThese options cater to different investor needs, preferences, and financial situations, providing flexibility in real estate investment strategies.Thanks,

That value, if owned for more than 6 months, can be used as the down payment for a loan.

HOWEVER, you pay a higher rate to do that, you are obviously financing more which also increases your payment.

. $140 equity in our primary residence that we’d be open to getting a HELOC on (would love feedback on if people recommend this or not).Given our limited available resources for down payment, high home prices, and higher interest rates, is now a bad time for first time investors to enter the market?

Basically I need something that's the best of both worlds since I have 0 build experience but also don't have the huge up front down payment of over $150k for the build.

I would buy bank/foreclosed/tax liens. maybe put down 5-20% down payment on a 4 unit. 

Conventional financing, 20% down payment Did you work with any real estate professionals (agents, lenders, etc.) that you'd recommend to others?