Everything I see for the northern VA area and beyond market is just so unattainable; it seems like unless you have a down payment, that is way way way more than 20 percent, there is no way to get any positive cash flow.

If you're already in a secure financial position, leveraging your equity could be a smart strategy.

I fairly positive that wont work, i have read that contacting mortgage brokers is the best way to go if you can find one.

If OP can lever-up while maintaining adequate reserves, he will be in better position than buying with heavy cash position.  

We pride ourselves in keeping the forums positive, helpful, and focused on real estate (please, no politics, religion, etc.).

We pride ourselves in keeping the forums positive, helpful, and focused on real estate (please, no politics, religion, etc.).

I've worked with New Western and it was good for the position I was in at the time.

There are many reasons that adding a single ADU in southern CA is a less than ideal RE investment (i will post a list at the end) but the negative initial equity is a primary reason as the initial negative equity position consumes the initial cash flow and can take many years to recover.As for converting your home to a rental….

I feel like having such a low payment and rate make it stupid to choose selling the house, but since I haven't been in this position before, I thought I'd ask here. to d The other consideration you would want to consider is your VA entitlement if you are hoping to buy the next house with a VA loan.

ThxSachinHi Sachin, if you're looking for the best investment opportunities in terms of positive cash flow, they're not going to come from new builds.