I am happy to discuss this further if you'd like, feel free to reach out. 

With good credit usually up to 90-95% CLTV of the primary property value is possible but unlikely you’ll need that much equity.

Feel free to shoot me a direct message!

We'd be happy to assist, feel free to reach out. 

The property has since increased 82% in value, we use it frequently as a family for vacations and weekend get aways, greatly minimized my RMD requirement, break even each year on my taxes, etc.

Here are a few ideas:- HELOC: depending on how much equity you have in your property, you may be able to apply for and borrow against that equity- DSCR: BP now has a find a lender link and I'm happy to recommend mine as well if you'd like; there are lenders who do loans based on the future rental value of the property- Borrow from your 401k: typically you're able to borrow up to $50k and if you have multiple 401ks, borrow from multiplesHopefully this gives you some ideas of other options to bring in some cash for your investment!

You will be be responsible for the transfer taxes equal to the assessed value, plus deed preparation fees and if there is already a loan, that adds another layer of complexity.

Good cash on cash returns take some work, like raising rent over time, doing light value adds, etc..If you jump in and insist on high cash on cash returns from day one you may find yourself in a tough neighborhood.  

The city also has landlord friendly laws and there are opportunities for value-add properties in the area.

Hi Jayden,If you're considering using the BRRRR strategy, I recommend looking into a bridge loan for the value-add portion.