@Justin R.It's an important metric because it can kill your cash flow especially if you only have a single investment.

I have a large sum of cash stuck in an online real estate platform lofty.ai.

Which I don't do and I still get them coming sometimes.Just be aware once operator stars  options to refinance will only be private or  commercial loans tried myself and no luck hard hide is a assisted living with people in it heard of some doing some crazy stuff but hate going illegal on things like this, ended up refi with commercial forget about cash out and such, and you are bound by appraisal as a commercial property which was in our case 25% lower then if we sold it empty as a residential home.

- $500,000 Purchase Price- $0 Down Payment- 4% Interest- 30 Year Am- 10 Year Balloon- Monthly payment: $2,387Business Plan: Convert to 44-pad tiny home (tenant-owned) community that will cash flow ~$20,000/mo and be worth ~$3.5 million!

But given our high cost city and sky rocketing interest rates, early and simple analysis of any property has so far resulted in negative cash flow. 

I need to make my first move so as to avoid analysis paralysis but I don't know how to go about it.I hope to meet a mentor(s) who can help me with my vision to own numerous single and multi family rentals to create cash flow, financial freedom, and a legacy for my family.

You would want an closed end second mortgage instead of a HELOC for a long term cash use like a down payment.

Are you paying cash for the property?  

I look at Cash Flow and Forced Appreciation as a hedge against market corrections.

If it were me I'd offer her a couple of hundred dollars cash to be out asap, and screen more carefully for a better renter in the future.