It sucked to live in a job site for a year or two only to move out once it was nice, but that's a better return than index funds and money market accounts. 

Thanks Chris for your comments.sorry i didn't explain well. let me try again  showing  some numbers like an example , and I hope that works better.I was trying to ask is what could be a good financial strategy if I find a good  property (location good shape etc..) and the homeowner for example want to sale for market price for example $400k but he still has a loan  $200k at 2%interest rate so he has nice equity  $200k but also he still having big debt another  $200k but with good interest rate these days. my question which strategy would be good one if I want that buy that property using creative financial trying to avoid ask a new loan at the bankThaks again 

Best weishes on your new job.

Nice!

I can't speak to other states but I know in San Francisco Bay Area, LA and San Diego (expensive coastal cities) that if someone buys at a discount then can do a fix and flip and make a nice profit (before capital gains tax).

Let me summarize to see if I understand the situation correctly.You bought a 5bed/3bath in a nice neighborhood.

Ok - now I am about to retire from my job. 

I work two part-time jobs, probably making about $25k a year, and I have some money in my HYSA (about $10k).

Nice success story.   

Of course not.If you consider the fact that if you have no money, you would be better off going to McDonald's, getting a job, working for 4 months saving up a decent marketing budget, and THEN attempting wholesaling, your chances of success FAR supersede the chances of doing what is cheap (but with a terrible success rate).People, understand this.You do not seek success based on what you have.You need to figure out WHAT YOU NEED to become successful and get it.