Look for a different HOI that will take on the risk  .  Is

I'm perfectly fine dealing with risk, but wondering how much risk is appropriate to take on.I have about $50k in equity in my personal home and I always see mixed reactions about using a HELOC or Home Equity Loan for rental properties: some people saying absolutely put your equity to work so you can use 'other people's money' and keep your cash reserves, while others say absolutely not, don't put your personal home at risk of being foreclosed if the unthinkable happened.

But if the potential profit outweigh the risk, I may be able to convince one or two of my friends to invest with me at the property.3.

Borrowers were able to do 0 down loans, get seconds, 80-10-10s, and other risky loans back then, but lending requirements have tightened up.

@Shahab Siddique an ARM gives you a lower interest rate because the lender's interest risk is not locked in for 30 years.

I also wanted financial freedom quickly.10 years later and lots of time spent chasing ghosts of returns while I learned about how much risk I was really taking on my goals have changed.

What are some pros and cons of owner financing, is this a very risky option to try?

So obviously I don't meet the standards for lenders to offer a HELOC or Equity Loan on my property.4) 203k: Don't have enough cash to fund the down payments to close most likely.5) Hard Money or Private: Seems to be not a good option for my first LTR especially if I am looking for more turnkey properties. 6) Wholesaling: Still need the cash or equity to fund the down.Maybe could do if I can understand and figure it out:1) Seller financing: Not sure if this is to risky or if sellers are interested in this to first time investors?

So if I'm reading this correctly its a losing proposition to refinance at this time. 

This is a way to reduce risk. I