This is unlikely to happen so long as you are current on your payments.

Hi All,We need to come up with the 25% down payment to purchase an investment property in our area, can you share how we can find this 25% - I know we can look at using private money at a certain % but this method is quite expensive for long term as we are looking at 30 year mortgages.  

Your questions, though I can't answer them, are extremely helpful because now I must figure those out.The part of this that I'm still hanging onto in considering such a project, is that it seems like the 4 apts and 2 commercial spaces could fund the loan payments and then some.

I'm just going to sleep better knowing I never have to worry about payments on my house again, so I'll never use a HELOC for anything - regardless if the math says I should.

The costs run 3-4 points + 8-12% interest only payments depending on your experience/credit/property.    

Is there a reason why you wont use the proceeds from your primary residence refi as your down payment for the second rental? 

I feel kind of stuck which seems ridiculous because I could easily afford a good down payment on a 110-150 K home.  

If the acquisition costs are higher, it will lower your COC.Remember, you can make just about anything "Cashflow", if you put enough money down and reduce your payment, but you reach a point where the return doesn't make sense.  

I make a decent salary for the Bay area, have a good amount of savings and don't have many expenses outside of rent and student loan payment. 

Getting someone else to give you there house so you can profit from it is a difficult task, but a couple points you can make to sellers, depending on their situation, to help them see your point of view and want to do the deal are:- Earn Hassle Free Profits- Get Multiple Pay Days- Sell your house with No Commissions- Rent your house Without being a LandlordThis all stems from the strategy of the Seller receiving an upfront Option Payment, Monthly Rent Payments to cover their PITI, and Profits when the property Sells.