It is the same way with mail in rebates.

If you paid all cash, you paid full price for the property, and the cash flow, any amount of cash flow, is only playing catchup. 

Purchase price: $230,000 Cash invested: $62,000Duplex purchased in 2020.

Bought for 104k cash, rehabbed and did a cash-out refi.

@Justin Sherman your best bet for cash flow is to go with a STR in the upper part of your house hack.

Those make sense and cash flow well.

VA loans are the only loans that allow this, and there is no rate penalty for it no longer being your primary home.With that in mind, you could do a cash out refinance today at a higher rate than current market rates which will create profit on the loan, we can take that profit to pay for your closing costs.

Some invest strictly for cash flow.

Cash is always going to be king, but the delta is definitely more pronounced in higher interest rate environments.

At the end of the day I'm ok with taking the slower path of saving up the cash for the down payments and buffer but if there's a quicker way that I'm not aware of I'm open to all options.