You might even have some friends or relatives who have cash sitting in a money market account earning less than 1% interest, if you offer them 6% secured by real property that could be a win-win for both of you. 

I'm the investor in our family: my husband earns money and my goal is to multiply it.  

If you have saved money from the start, meaning when you got your first job, then you will be in a better position.Personally, it is either earn/save more money or cut expenses.

13% of earnings for a secodary software ?

Why does the ARV reduce?

Build.com sometimes have refurbished ones with a full warranty at greatly reduced prices.

Granted the second option is more risky, but risk does come with reward.Use this to your advantage if you are in need of funding (I'm not sure if you do or not) and show potential investors that you can reduce risk in favor of being able to get all their investment back (using refi) and then have constant cashflow for a long time.Hope this helps,Andrew 

Assume that $125k is the sale price, reduced by $10k closing costs down to $115k.You only have a gain if your adjusted sale price is above $150k - $20k = $130k. 

High apr will make it very difficult to earn worthwhile return on investment.

One location where I was buying had escalating property taxes, which reduced my cash flow.