As a lender, we require flood insurance if the property is in a flood zone, which can eat into your cash flow if you want to hold the deal. 

Can I get cash via escrow(they pay advance) and buy coverage later on with $600?

Background context:I have a 805 credit score, low DTI and attempting to secure the lowest cash out refi to pay off a debt ($50k).

If the property is posted on a fsbo website & Zillow if I was to wholesale for more than what the asking price is on those sites will every cash buyer shoot me down when I shop it even though there’s still plenty of equity available for a fix & flip or to buy & hold or whatever other strategy they may want to use???

The goal is to be close enough with a calculator to make an informed decision, based on your risk tolerance and capital reserves (Cash in the bank for variances in the bills or emergencies).Regarding my comment on off-market properties - I'm referring to the buyer who wants to find a "deal" through a wholesaler, but does not think to use a real estate agent/broker, and is either using cash or owner-financing.

Generally they set up in a parking lot with a card table, there's almost always a line, pretty lucrative cash biz.

I wanted to retain as much cash as possible, while still getting into my desired neighborhood How did you find this deal and how did you negotiate it?

Quick close leveraging a 1st lien against OTHER real estate you on either a cash out refinance, or, if you have equity, you could potentially obtain a 2nd lien against cash flowing real estate usually capped to a max 75% CLTV (1st + 2nd liens can't exceed 75% LTV combined) (5-30 days)4.

I thought what better place to get advice is from the Bigger Pockets community.So if you had $100,000 in cash where and how would you invest in real estate?

You write a check at closing, out of "cash on hand".