(Not actively purchasing as my money is tied up in the market right now)...so with the 2 lenders i've gotten here:STR DSCR Rural (not a log cabin or other non-conforming structure) just remote sfrHybrid loan 15% down, interest only investment loan with seller paid points to get to ~8% and reduce closing costs DSCR would use long term rental rates to establish monthly DSCR and then offset monthly with average DTI and 800+ credit and high cash reserves as long as DSCR is .75+additional appraisal to establish STR rate estimates to be used alongside the standard long term rental rates5 year prepayment penalty with reasonable terms

Ultimately, the goal is to add the property to your rental portfolio for consistent cash flow.

We are in the position to buy all cash but not sure if should go that route or so something like 50% cash and 50% loan.

Initially, I want to buy a little condo and rent it out, to start cash flowing.

You can offer them cash for keys-give them money to move.

Maybe the best bet is a rental refi on one of the two existing properties to be able to get a new home all cash?

They then decide if they are willing to list with the agent.If you have substantial capital and can close quickly, with cash, no inspection you might be able to do what you are suggesting.But a bank is incentivized to get as much as they can, with the least amount of hassle and they will believe their real estate agent before they believe you on numbers, closing time, availability of funds.

I actually prefer these systems because there’s no cash/check to deposit at the bank.

It's tougher to get cash flow upon move out these days but if you're patient, willing to do some work, or live in lower cost/fringe areas you can make it happen or at minimum put a serious dent in your housing expense which is still a win in my opinion compared to renting or buying just a primary home.Also if you're a bit short on cash, make getting a seller credit part of your financing strategy.

However, I'm looking at creative ways to produce cash flow with little to no cash down.