I used my FHA loan and I am currently house hacking it.

But here is the thing when I reached for my phone to invest I couldn’t, because it's not as easy as buying stocks with a single click of a button in a specific stock exchange app, let alone searching for the right deal if you have time and if you don’t you gotta leverage it to someone who Is going to find the deal for you, after that, you will need to apply for a loan (DSCLR LOAN which I am going to use) because if you are like me you're going to use the bank's money, not yours, after that, you will need to search for tenants or your property will suck money from your pockets and it won't be an investment anymore, and this applies btw to residential and commercial the small difference Is that commercial needs bigger sums of money but other than that its kinda similar.

Hi Theresa, 25 years means you've been dong something right :) Check in with @Joseph Chiofalo they are NY based and offer creative fix and flip, bridge and constructions loans.

Would raising just the 20% from private lenders and then getting a loan based on the down payment not be looked at favorably.

. $175,000, 3.25% APR (thanks to VA loan), currently have a bit over $50k in equity if I pull it out.

@Claudio Garcia Zuniga   Assuming this property is in Texas, state law will only allow you to pull 80% loan to value out of your primary home.

We've had good absorption in the market, but we have something like 55,000 MF units coming on line this year in DFW. 

Obviously I don't want to cash out refi and start paying a loan and then wait for an opportunity.

https://www.biggerpockets.com/blog/brrrr-loans-what-are-the-...Short-Term Rental Loans: What Are the Options and How Do DSCR Loans Stack Up?

Hey Malcolm, debt financing shouldn't be an issue; with a DSCR loan, you can borrow within an LLC, and it does not need to exist for a certain period of time.