A 24-month loan would be preferred so you can build up the last 12 months of cash flow for the property. 

Purchase price: $74,000 Cash invested: $30,000 Beautifully renovated 4-bedroom split-level home that features a new galley style kitchen with 42" soft close cabinets, stainless steel appliances, recessed lights, updated baths with modern vanities and fixtures, large living room that leads to separate dining room off kitchen, three spacious bedrooms on 2nd level with modern decor, large lower-level family room with ceramic tile flooring with well-placed laundry cove, and recently laid sod in front and rear of property.

I am thinking about using hard money to fund my new build but once completed refinancing thru a traditional bank to get a longer loan and a more favorable rate. find. lender that does both. easy street we are talking to for several new build triplexes for clients in columbus. they go up to 85% LTC and then can refinance on a DSCR. they want to see you win and do way more transaction volume than smaller local or regional funds.

Purchase price: $443,000 Cash invested: $60,000 I've included the mortgage, a 5% rental vacancy rate, and a 5% capex reserve.

Even with no/low money down options, I suggest having ample reserves in case you need to come to the table with cash for some reason. 

Always remember to persist and you will WIN!!!

There is plenty of opportunity in your area to buy properties that have low interest rates, that cash flow and get you to where you want to go for retirement.

I can get out whenever I want, and if i need a "pot of cash," I'll have it. 

We work with professionals to find properties that cash flow.

If you're maxed out on retirement accounts have you looked into cash value whole life insurance?