Our current membership has a lot of flexibility and variable allocation of P/L/C and ITC seems like a good plan.

I want to invest in real estate because of the flexibility and potential financial freedom. 

Small banks with in house loans are flexible and can offer investors a lot.  

Don't you lose some flexibility?

We are looking for a flexible lender who would consider refinancing one of our houses, cash out and use the money towards the next purchase.

If you can use a 24 inch dishwasher it is a  better price option and most flexible again if you have to replace.

The thing is I am a key employee and work in IT therefore my time is very flexible, I am answering my work related questions at any time of the day including 2am at night, as well as vacation calls are very common therefore if I need to take a tenant call while I am at work should be ok, but it is a people's nature to think that person might be paying too much attention to his/her "other" job even if he /she  is not, so I decided to keep it private :)Thanks everyone for an input.

Option 1 will give you the flexibility of a low monthly payment as well as significantly less fee's than option 3 in respect to getting the initial money.

I currently work as a project manager in the design/construction industry BUT I absolutely need to get back into Real Estate as it has always been a passion of mine, not to mention the cash flow opportunity and schedule flexibility to allow me to spend more time with my family. 

My main goal is to be financial free and flexible if needed. i want to start with a duplex  ( maybe a triplex) and live in one side then later down the road purchase  another property with the intention of buy and hold. any information on this will be great. thanks in advance