Your best bet would be friends and family.If you have $0 to put into the deal, again in NY your chances of finding funding will be similar to hitting the lottery.

What would be the best REI strategy for people in our position? 

I've read a bunch of articles on BP but still can't get my head wrapped around the BRRRR strategies and specifically the financing parts of it...

How will these factors shape the fabric of the US real estate market in 2024, and what could this mean for the future of housing affordability and investment strategies?

With what strategy?

Using a Home Equity Line of Credit (HELOC) or home equity loan for purchasing a Short-Term Rental (STR) property is indeed a strategy that some investors use, but it comes with both advantages and risks.Advantages of Using HELOC for STR Investment:Leverage Equity: You can leverage the equity in your current home to finance your investment without having to sell your primary residence.Lower Interest Rates: Typically, HELOCs have lower interest rates compared to other loan types, making them an attractive option for financing.Flexibility: A HELOC offers flexibility in terms of borrowing and repayment, which can be beneficial depending on your financial situation.Risks and Considerations:Risk to Primary Residence: Since your home is used as collateral, if you're unable to make payments, there is a risk of losing your primary residence.Variable Interest Rates: HELOCs often have variable interest rates, which means your payment amounts could increase over time.Market Volatility: The real estate and rental markets can be unpredictable.

Here are some of the key things to keep in mind when choosing an asset protection strategy for your rental properties:Your risk tolerance: If you are not very worried about being sued, you may not need the best level of protection.

This is your opportunity to share your journey, insights, and strategies with our engaged audience of real estate enthusiasts. 

So if your investment strategy is to make a high rate of interest, you do like the hedge funds and bidding 1% isn't much of a risk.

But what I would suggest is check out their free strategy session where they will talk through your needs and can schedule you for one of their free webinars, where they educate you on entity structuring and tax strategies.