Have you considered ways to increase the rent so it actually produces a cash flow return?

Purchase price: $675,000 Cash invested: $230,000Purchased for $675,000 in September 2022.

I could do all cash with perhaps some help from family (less than $15k) or friends/partners (one has asked me to find something he could join in on with $20k, the other serious one has about $35k-$50k to invest with me). 

While it only returns 5.23% currently, it provides a great cushion allowing sufficient time to wait out a crash without having to resort to selling properties at inopportune times - at fire sale prices.5- I keep a large part of my portfolio in high yielding notes secured by real property - and while I want every loan to make payments as agreed, my experience indicates that a certain percentage will default with me owning the property during periods of economic contraction.

So you're left with acquiring properties all-cash. 

I recently flipped my first property and it was a cash purchase.

So we are looking at purchasing a home (new primary residence) but we will be leasing back to the current owner for 120-150 days as the current build they are working on is being finished.I was told if I apply for a mortgage and disclose that it will not be my primary residence outside of 60 days from the point of contract that it will require a larger down payment and a higher interest rate.

I currently do not have enough down payment.

Borrowing money to use as a down payment so you can borrow money is a recipe for disaster.

Ensure your payments are made into a RERA-approved escrow account to safeguard your investment.- Payment Plans and Financial Commitment: Many off-plan projects offer flexible payment plans.