Our privately owned and centrally controlled monetary system, known as the Federal Reserve, and the legality of Fractional Reserve Banking is on a crash course for a battle between Freedom (Property Owners) and Royalty (the banks). 

Brandon,Check out Indiana & Ohio for states that you can buy 2-3 for that amount of liquid reserves. 

But you cannot exchange from an investment property into your primary residence. 

Then the rest of the time, the net income goes 50% reserves, 50% towards 2nd rental property.

Well, my original SFH purchased in 2010 still has its original S8 resident.

HELOCs are fine, but keep in mind that you really only want to use 50 percent of less (each) of your available equity just so you aren't creating a problem that you can't solve later if the value of your personal residences fluctuates.If you both have W2 jobs though, have you looked into getting qualified together and just getting a loan, 10 percent down each?

In short, I purchased my primary residence in 2017.

I think the uneasiness comes from not having enough reserves/ funds for downpayment and closing.

I have about $100k in capital reserves and can leverage the 2 properties for additional capital, as needed.

I want to be straight with you - trying to invest with absolutely no cash reserves is really risky.