I’m able to pay cash for some houses occasionally when my savings builds up.

We are more so interested in fixing up and renting these properties, so flipping in a short amount of time wouldn't be something we would need to worry about.

We offer 100% financing on both purchase and rehab (loan size up to 75% ARV) but only in 10 states.So if the location and the numbers are right, you can be as low as 0% down.Yes, this kind of leverage does exist on the short-term purchase and rehab loan, and for reasonable terms. 

This will free you up to get a loan in the 2 or 3% range... even in 2025! 

Keep contributing to the 401k up to the limit of the match assuming the match is 25%+.

Before getting started, I’d recommend focusing on three key areas:Strategy Selection – Understand the different investment strategies (BRRRR, short-term rentals, etc.) and determine which aligns best with your goals.Market Research – Study the market you want to invest in, including property values, rental demand, and economic trends.Laying the Foundation – Take proactive steps now that will set you up for success later.

So we closed it up, added a closet.

I've seen many investors who ended up in similar situations where they chose to walk away and ended up being glad they did.

Hi Charlotte, I know I'm quite late here but what did you end up deciding?

Just a heads-up: with the way the insurance market has been here over the past couple of years, this is accurate as of today, but things could look very different (for better or worse) in 6+ months.