Usually, I buy with cash.

As a foreigner getting conventional lending might be an obstacle and I think there will be many people on this forum that can provide resources to guide you through. 

The investor Cash on Cash yield is projected to be 5.9% in Yr 1, 7.1% Yr 2, 8.06% Yr 3, and 9.89% Yr 4.

I have the cash but obviously if I don’t have to put it down I’d rather not.

Can you provide the hard money lenders platform here so all can benefit? 

Should I focus on paying that off first before I invest or does it make sense to start my real estate journey and use the cash flow to help pay it off faster?

@Joe Carpyou can buy rentals with a DSCR loan, and they will not require W2 income like a conventional bankhowever, down payments will be 15-30%, so will use up your cash fasthow to scale as we sink money into each property is definitely a major challengei have done a couple successful BRRRRs that helped preserve capitalhope this helps

Thus I will cash out refi after I renovate the bathrooms. 

I've got maybe 20k in cash.

cash and private money JV How did you add value to the deal?