If you're looking for ways to accelerate, consider these options:Seller Financing – Some sellers may finance a portion of the purchase price, reducing your need for a large down payment.DSCR Loans – These loans focus on property cash flow rather than personal income, often requiring only 15% down.Private Money Lenders – If you can find a PML willing to work with you, you may be able to put less down.Partnerships – If you’re open to splitting profits, you could bring in a partner who funds the down payment.Since you’re okay with the slower path, just keep stacking cash, but these might be worth exploring to move faster!

For me personally with the lessons I have learned - I would build capital before buying anything to hold / flip.

The other is a smaller operation which does a lot of business in the specific neighborhood the house is in.

Being in Dallas gives you the advantage of doing your due diligence in person, which is invaluable.

But 2025 offers other opportunities that did not exist 10 or even 5 years ago - think AI and online businesses.

She runs a business out of the homes.

Any person ever worked with Paul Argueta (Dispodragons) or Alex Martinez (Real Estate Skills) as a mentor/coach, what has your experience been like?

Quote from @Leonard La Rocca III: So is it common to find a conventional loan without meeting the lender in-person?

I am well versed in pretty much every facet of Real Estate: house hack, LTR/MTR/STR, multifamily, and fix and flips primarily.Aside from that I am also (somewhat) a serial entrepreneur, having started and sold multiple business' over the last 15 years.I also meet with 20+ professionals every week, through referral groups, meetups, and just 1 on 1 sessions trying to get to know people and make connections.I would love to chat with you if you are looking to meet people and get more information about real estate in San Diego!

Personally, I wouldn't offer SubTo or a Wrap, For reasons I've written about fairly extensively. https://www.biggerpockets.com/forums/70/topics/1227199-the-m...However, I would sell on "Lease Option" and that may work for you.