Like @Russell Brazil, I think it's never a bad time to acquire another property, but not if its prevents you from your larger goal (which seems to be buying that dream home).

For context, I should probably mention that I have ~$100k in savings, 770 credit score and 95k salary.I appreciate your help!

A HELOC would be my ideal situation but credit is not high enough.

*Credit is low to mid 600s due to high credit utilization as a result of covid.

if your doing fha va then your basically 95% leveraged and you should not expect positive cash flow until rents rise a tad.. have small negative cash flow on a highly levered deal is not a bad thing I you have a quality property and you believe rents and values will rise over time.Virtually every investor for instance that invests in the SF bay area is negative the first 2 to 5years but then they kill it on appreciation..

GeorgeFishersCarmelVacavilleQuincyConroeChicoSan MateoLynnAlbanyHesperiaNew BedfordDavenportDaly City Those are all bad markets

Are you preapproved for a working line of credit?  

Either way, it looks pretty bad for Bigger Pockets to allow a BS post like this. 

In my opinion having ceilings and trim any color besides white looks bad.

Pair that with a great credit score and you'll see rates in the mid to high 6's (assuming DSCR loans).