I am a Business Owner who's looking to open a Second Store preferably one I can live in. I

@Jonathan R McLaughlin sounds like you have it dialed in. I

The only money we have to put in is for the rehab.

The HOAs Master Policy will protect them, but “studs in” is on you.

Right now I am eligible to take up a residential mortgage, where in I will be putting a 25% down payment.

Identifying numerous properties in such a short time frame and in the seller's market we are in is extremely challenging. 

Identifying numerous properties in such a short time frame and in the seller's market we are in is extremely challenging.

Add in, I do the BS a wholesaler des in OR, I'd lose my license.Not saying my robes are white, just hella lot whiter than a wholesalers are. 

I'm a real estate rookie and veteran with one duplex that I've rehabbed and rented out (We were BRRRing, no last R as of yet, until this past July when we moved into a SFH and began rehab on the unit we lived in). I

In the extreme case where I needed or wanted a whole six months of using the full rental amounts that came in, I would have given myself the ability to access that money without any repercussions.