@Eric Johnson I think another issue I probably have is I'm always wanting to combine my personal savings from my job into the property as well because I know I can use that to cover things like repairs, vacancies, etc and also adding my girlfriends expenses to because she's in on the idea of rentals as well 

Imagine a young couple starting out with a combined income of $70K. 

Hello,I have been doing a combination of house flipping, wholesaling and building a small portfolio of 40 rental units over the last 7 years.

I have considered a cash-out refinancing, but the amount of equity that I have in each property would likely require me to combine multiple to come up with enough funds for the 20%. 

I'm leaning towards this combination for my condo project:LifeProof LVP w/ Underlayment atop Quietwalk Underlayment Is that overkill?

I knew that hard money, combined w/the BRRRR strategy was the way I had to go. 

We have done great with those, but without market appreciation we would not yet have been able to extract all of our investment costs (due to a combination of low LTV and conservative refi appraisals). 

I'm going to take everybody's advise and combine it to come up with the solution.

The ARV is based on a combination of the CMA (which noted it to be 130-140k), but more realistically the reason I offered on it was I looked at the recently sold homes on zillow and 2 properties adjacent, similar square feet (1430), and 3/2 sold for around 120k within the last year fully remodeled.  

Since I originally posted I had an ACV DP-3 quote come back from Flagship that was $2200 but was at 80% co-insurance which I thought was also pretty bad considering it's ACV, but time will tell as I have a few more quotes coming in combined with the company you just gave me.