Option B: Buy Duplex.

Hey BiggerPockets community,I’m looking for some advice on selling my investment property in Riverside, California, especially since I’m considering offering creative financing options.

Does anyone have advice or tips for me on what the best way for me to build my REI knowledge would be so that when I do have the adequate funds, I am already equipped with a very good base knowledge.

@Aashrit LuthraI'm based in California so I understand how difficult it is to find a rental property that is cashflow positive.

@Hunter PurnellIf you're open to other options you could offload a handful of your properties, apply for a high cash value whole life policy, max fund it and then do a couple things:1.

That means in this case renters have more options and will not only consider price as an important factor.

You have to consider everything coming in, and everything coming out, then you can fairly compare the two options.

For example, propose a smaller initial down payment and larger monthly payments, which could free up some capital for the rehab budget.Partner-Investor:While not your preference, finding a partner-investor could be a viable option.

I’m just trying to do all I can to get creative with my options haha and having trouble finding this exact info online.

To get the underwriting based on solely a new appraisal, you'll need a ton of evidence - enough to convince an underwriter or risk officer who gets to make the call purely on internal company policy and not tied to conventional or govt published guidelines.All this being said, if you're already at a 1.0x with the current appraisal for the loan amount you want, going to 1.1x or 1.25x would only be marginally beneficial unless your lender wants 1.25x for some reason. 1.0x is generally enough to fund for most investors at or below 70-75% LTV.