Rescinded

So those two things put together has gotten us to where we are.And also to your point, my portfolio generates an OK amount of cash flow, plus a FANTASTIC amount of monthly mortgage paydown.And to @Mike Dymski's point - if I want to convert that equity into groceries, there are a couple of ways to do it.

Is it a “bad” decision to put 20% down on this multiplex, likely have most of the mortgage covered by the rental income while continuing to pay rent at my current apartment? 

Hey folks 👋  - I'm curious if anyone has used the lender, Lower (https://www.lower.com/)?

I have found a couple of properties that I like, but am questioning if I should buy now or continue to save in hopes that mortgage rates drop in a couple of months.

You or I could report our electronic mortgage payment as fraud and it would be pulled back from any bank.

My lender just started offering their notes for resale to private investors and has 100s to choose from all over the country ranging from 8-12% ROR monthly, currently from $62k-620k, in all areas of the country.

Looking back my whole plan was based on 5% mortgage rates.

It also stays off of your personal credit/DTI which will help you as you live your life outside of these properties.Those will be a specific set of lenders that you will want to look into as many of them have different requirements that you would have to adhere to, but overall much more of a simpler process than your conventional lenders, while being a couple of points higher in processing. 

Instead of fighting the high interest rates as a borrower, take advantage of them by being a lender.