I'm curious on thoughts surrounding using HELOC/ IRA/ Roth money to purchase rental property if I find the right opportunity vs delaying for a while to save up extra cash. 

Purchase price: $130,000 Cash invested: $175,000 Sale price: $550,000 Full Cycle Pre-Foreclosure > ShortSale > Fix N Flip

Considering purchase in Georgia market that is currently rented as Section 8. 

It could also be from purchases at 0% or very low interest.

Hey BiggerPockets family,I was just approved for an owner occupant, Fannie Mae, 5% down with a purchase price of $1.3 million for a 4plex in the Phoenix Metro of ArizonaMy middle FICO credit score is 759My current DTI debt to income ratio is 30%I have enough down payment, closing costs for the subject property, and enough liquid reserves for all 10 of my apartment buildings totaling 45 units in PHX Metro AZ my mortgage lender quoted me with a rate at 8.125% with me paying 0.156 points totaling $1,920My question is,does this 8.125% interest rate sound reasonable for an owner-occupied fourplex 5% down Fannie Mae conventional loan as of March 27th, 2024, at 1700 hours?

Foreclosures, short sales, and off-market deals can provide these opportunities.Target up-and-coming neighborhoods with increasing home values rather than already hot areas.Research comparable recent sales and get an inspection to accurately estimate the after-repair value (ARV) before making an offer.Follow the 70% rule - the purchase price plus renovations should not exceed 70% of the ARV to leave room for profits after selling costs.Focus renovations on maximizing returns - kitchens, bathrooms, curb appeal rather than over-improving.Hire experienced contractors and have a project manager oversee work to keep things on schedule.Price the renovated home at or just slightly below comparable recent sales to facilitate a quick sale.

Purchase price: $250,000 Cash invested: $62,500 Buy and hold investment.

Having said that my last purchases were Dec 2021 (I purchased $4m of RE that month).  

Purchase price: $120,000 Cash invested: $240,000 Off market seller finance deal What made you interested in investing in this type of deal?

On a recent home purchase, I submitted an offer and I was told there were no offers on the home when I submitted mine.