My goals with the money will be to retire early, travel (I am a Flight Attendant), pay off my parents mortgage, give back to those in need, save money, and be able to do the things I want to do without the burden of constantly worrying about money. 

@Bailey FaitI have a lender that will do a small HELOC on an investment property.

Does anyone know a lender that will do a HELOC 85 or 90ltv in NY on a second home (owner occupied not an investment property) greater than 500k.

you're just swapping a rental payment for a mortgage payment to build equity.yes, you can try to spin up off market leads; it takes a lot of work. 

Financing is a different situation when you have entities involved, meaning that commercial loans need to be used rather than what you have already experienced with a conventional, FHA, VA or other "regular" mortgage. 

But for illustration purposes since this is a fresh transactional matter on my plate: The reimbursable lender legal fees for an $8.5M loan transaction I was recently apart of (as a buyer, not fees I charged) were less than $15,000.00.

You have an affordable place to live, about half your mortgage payment is paid by the renter, you get to dip your toes in the investor/landlord waters, and you are in a market that should continue to appreciate in value.I recommend reading and educating yourself while saving up for the next investment.

Which is about 3 months of rent but i can deduct thay in my taxes against rent.Or are you guys using Heloc as I won't be able to deduct that from my rent is what I read.Also is there a better way to find lender with less fees for closing for cheap investment rentals.Currently I have 5 rental. 2 with personal home mortgage and 3 paid cash so no mortgages.

Some syndications offered a fixed pref in exchange for a equity bump, which basically raised you up in the stack for payment, the bank, or major lender is usually number 1 in distributions since they hold most of the equity of course.  

Last time I approached lenders I was approved for a loan with an interest rate of 9.5%, but that was when I was trying to purchase through an LLC so it was a commercial loan.