I had a conversation once with a very smart Dr. who stated that this concept does not exist in all cultures and was/is more prevalent in certain cultures in centuries past.

In the short time I've been actively investing in RE, I've already had to switch my CPA because our conversations usually felt like I was having to tell him how to maximize my deductions.

I’ve contacted banks in regards to Ioans and as you know rates are a bit higher than in US and you have to go through much more hoops to get one.

$75k is best used for another house hack that way get a better rate and lower down payment meaning can put some of the money in rehab.

Currently, I'm only offered 27 hours of work per week at an average/below-average pay rate, which isn't nearly enough to save for a down payment or qualify for a loan.I've tried selling belongings to generate extra income, but it's not sustainable in the long run.

.- Only allows Rate/Term but we could add a HELOC on top of it to access cash in this instance up to 95% CLTV.Long story short, there are ways but you'd have to get creative and be over 62. 

Would love to have a conversation with you about your experiences and business.

Let us discuss how to finance properties if you don't have a W-2 job, what are you all doing in this high-interest rate environment, what are the benefits of single family housing verses multi-family, vs self-storage. 

You can also get a lower rate on a 30 year fixed and even though its a 30 year loan there is No prepayment penalty so you can pay as much as you want but not obligated to pay more.A Heloc is a credit risk and can "never" be used as an asset or PITI reserve which is required when buying additional properties.

I'm a little concerned with the current high interest rates and property taxes (Texas).