You are only looking for a 6% return...you can almost hit that with current High Yield Savings accounts or CD's. 

HELOCs and HELOANs do exist for rental, but with prime so high and secondary tier of LLPAs associated with these programs you’ll be above 10-11% all day.

@Todd Knudson high yield savings account.

If you can't keep control of your personal finances, you are highly unlikely to succeed in real estate investing.

I would highly recommend FB marketplace and also joining local FB real estate, rental, and leasing groups. 

If one is a CAT 5 and hits lower Florida at high tide with 20ft+ storm surge goes into the Gulf restrenghthens and hits somewhere from Florida to Texas again at high tide with a Katrina size storm surge of 28ft it is an issue.

If you can't keep control of your personal finances, you are highly unlikely to succeed in real estate investing.

You will be surprised how high they are going.

I like that ARM option the best. 4) Chase - no comment other than unless you are an extremely high networth individual I would go with someone else. 

Household debt has hit a record high, rising to $17.69 trillion in the first quarter of 2024, with credit card debt alone averaging $6,360 per borrower, per CNBC.