I pay off my credit cards, and save like crazy for the next down payments.  

And the longer a property sits on the MLS, the more people tend to think just like you: why are they sitting, and ultimately the price (if they ever sell) starts to go down, in my opinion, further than if they had slightly underpriced it on the from end.Also, Lake Mead and Las Vegas are in the news for bad reasons lately.  

If you’re interested, I can set you up with full access and some free credits to explore the platform.

Like a credit card you only pay interest on the money you withdraw to use.

Would this be a bad idea to pull from the HYSA to enter real estate investing right now?

While standard advice for USA investors is to create and use an LLC, it could be a very bad idea.

The variable interest rate went from 5.25 originally (not bad) to between 8.5 and 9% now, meh.

Maybe the loan shows up on your credit report and tilts your debt utilization to a point that makes the lender feel uncomfortable.Can you share some details about the deal?

My biggest issue is that my credit most recently took a hit, dropped 100 points from 740-640.

Whatever you decide, work with someone who will also tell you the “bad” news, and how to deal with it.