H e L L o  BP PRO peeps!!  

@Bjorn Ahlblad and @E.

I currently live in Los Angeles, CA, and have managed to save up $35,000 in liquid cash for a down payment on a house.

45k liquid sounds about right for the numbers as you presented them.

I am clearly concerned with inadvertently committing any type of mortgage fraud, but also don't want an empty unit that can be generating cash flow for me when I am away.2: Would it be wiser to get a few fix and flips under my belt via HML/Private Lenders to build liquid funds and then use that to start investing in multi-family rentals via Brrrr3: Lastly, do many of you use HML for your initial purchase of a Brrrr property?

Also, most title companies (in larger counties) will e-file...especially if they're on the hook for the gap period.

@Ramon E AlvarezHaha, knowing banks and their abilities to build tech...it would be a century before they get anywhere close.

I'll add one of my favorite sayings."

I do not use more than 50%, just in case there is a shift in the market, but it has helped me invest in deals without having to liquidate my portfolio.

@Lynnette E.