I've seen many people suggest a cash out refi but I like the flexibility of the heloc.

Here’s my suggestion.  

Hi Alice, I think you brought up some great suggestions. 

Indeed, it's probably ideal to do the kinds of things my colleagues here and I have suggested before trying a $$$ seminar or mentorship of that price.

Again, this topic can be discussed AT LENGTH as well so let me know if you want to go further into it.My suggestion to every new investor is to trust your instinct. 

She suggested she might have to add the ex to title before closing. 

As others have suggested, you could get a conventional or FHA loan if you want lower down payment options.

I'd normally also suggest Marshall, Black Mountain, and Old Fort, but many of these towns were heavily impacted by Helene.

I paid cash and roughly 25% of retail value. 

But it's YOUR money, and Real Estate, to put it mildly, is a contact sport).Month 5: Deals & Network (15-18 hours/week)Submit first offersAttend 2-3 REI events monthlyBuild social media presenceKey Goal: First offer acceptedMonth 6: Scale & Automate (15-20 hours/week)Delegate initial tasksEstablish morning/evening routinesCreate follow-up systemsKey Goal: Sustainable weekly schedule🚫 Common Pitfalls to Avoid:Overcommitting earlyNeglecting W2 responsibilitiesSkipping system creationTaking on too many mentor calls✅ Success Markers:Consistent daily actionsGrowing networkClear systemsNo work conflictsSteady deal flowMaintained energy levels👉 Action Steps This Week:Audit your current scheduleBlock 2 hours dailyChoose your power hour (morning/evening)Set 30-day milestoneGeneral Comment:  obviously not everyone will follow these suggestions.