I have found that there are actually a lot of people with similar interests and goals for investing among the people I interact with on a day to day, and a lot of them have money just sitting around.

Etc..The Goal: Cash out $205,000 from owner occupied yellow while taking out a mortgage to purchase Blue.After meeting with a local mortgage company, we found out the only way to cash out was to get a co-signer for yellow.

Our long term goals are to have a lot of rentals with some fix and flips in between.

@Chris Connery not knowing for sure what your situation/goals are I thought I would throw out there what I/we are working on right now - similar but different.I am working on forming a partnership with an individual that will bring the 20% down that I need for my properties that I use a commercial portfolio loans on, but the whole loan (80% of purchase price) will be signed by only me.

We'll play that by ear.Our Near Term Goals are Income Focused:1st: $3,000/mo “passive” income2nd: $7,000/mo “passive” income3rd: We’ll see…I absolutely want to thank BP, and the BP Community.

There seems to be only one side of the real story that's being told.I think people would love to buy assets in hot markets, but I think it comes down to the initial cost of investment and people's goals. 

You've already got some amazing value producing income, sounds like it's time to just make this investment a little more passive.Mandatory Disclaimer: While I am, obviously, a big fan of this financial tool, I am NOT a financial professional and you should absolutely do your own due diligence, talk to fiduciary (super important) financial pros and assess this option in terms of your own personal financial situation and goals.

https://www.forbes.com/sites/forbesrealestatecouncil/2017/11/15/five-goal-setting-tips-to-real-estate-investing-success-in-2018/#2b46bc9b3239

If you're not super interested in the REI game anymore and would prefer to invest elsewhere, then it's just unnecessary hoops - you have to decide what your long-term goals are and go from there.Best of luck!

If you are talking about a roth IRA then you cannot use the money for any sort of current benefit to you, so living in the property would not be an option.Also if you are buying to househack what's your real estate goals longterm?