With a bigger down payment (25%) your cash flow will increase some.

Originally posted by @Ken Breeze:@Dakota Deno there’s so much awesome stuff on this website and forum, it’s mind-boggling.Welcome to the Bigger Pockets tribe!

Spending a few hundred dollars for access to successful people is really nothing in the bigger scheme of things. 

@Costin IorgulescuAs I noted, if investing in rental property will produce better results in terms of risk/reward than continuing to invest in the stock market only, then it is the right move.There is no apples-to-apples comparison between you personally investing in real estate and your IRA investing in real estate, just as comparing you investing in stocks with personal funds would also be very different from you investing in stocks with your IRA. 

@Philip Williams I have handle bigger tax return than which you mention above.

@Erin ZengerWelcome to Bigger Pockets.

With the highs/lows and risks/rewards that comes with that. 

EckWelcome to Bigger Pockets.

as your primary you should be able to get an O/O HELOC my guess on the move out question would be dont ask dont tell, so residential HELOC's tend to be 10 year term, so I would maybe get the HELOC from a bank you dont do investing related banking with maybe an out of area bank or bigger institution. and set up a P.O. box or a different address to get correspondence from them (totally reasonable in a multifamily) this way when you move that doesnt change, so no red flag for them to call it due.

Currently, I've just learned of bigger pockets and listen to a podcast a day during my workout and will be looking into other benefits of the site.