Margin spread may decrease and I could see rates around 5% conventional and 6% investment in 2023 but unlikely lower then that.

Much less competition in these areas, more distressed properties/sellers, higher % spreads in between Acquisition Cost / ARV, and less capital intensive overall to name just a few reasons.HMLs can be helpful for Acquisition but depending on the price of the property, the fees can eat up much of your profit, especially if there's not much "meat on the bones".

If you have 300k cash, you could spread that out on multiple assets and then refi them all when and if rates come down.

Also @Selina Giarla , this is just for your consideration , I know one CU that has 10YARM "Movable" product that their ARM is always have spread of negative 50-75 bps compare to 30YFRM.Currently they have:10/10 40 Years APR 6.440% Payment per $1,000 $5.77 30YFRM 6.875%APR: 6.892%Payment per $1,000 $6.57

One might lose upto 2% on the spread based on F&G projection and bank might cancel the credit card if they suspect that you are trying to bypass their cash advance fee.6.

I want to access the equity in my home for other cash flowing assets w/goals of maximizing the spread btwn the interest I'm paying on the HELOC and the interest I'm earning on the asset.One major downside is most HELOCs are adjustable rate, and I'm certain rates will be increasing even more in the near future, so finding a bank that has a rate-lock option is my hedge.I've looked into this strategy a lot, seen the comparison numbers, and am still looking into different utilization strategies. 

"I'm concerned about the risks": While real estate investments carry inherent risks, syndications often spread risk across multiple properties and strategies.

I am not looking to invest $1M in one single property but rather would want to spread it out to multiple properties over next couple of years.

What I am saying is that everyone thinking the California way of giving these low life's rights that supersede the rights of law abiding citizens is going to spread through the rest of America are out of their damn minds.

Effective management is key to maintaining and increasing the value of your investment.Step 7: Building a PortfolioAs you gain experience, consider diversifying your investment portfolio across different types of properties and markets to spread risk and increase potential returns.Mitigating Risks in Real Estate InvestmentWhile real estate offers substantial rewards, it's not without its risks.