When I go to events like this, I do go to some of the sessions, but most of my time is just sitting in the lobby chatting with people. 

Hey @Greg Strunak, like others have said, this has been going on for a while now but it isn't just the hotel lobby.

@Louis Hamilton,If a HELOC doesn’t work, you might consider these options:1.

The guy that turns on and off the lights in the P&G lobby has a couple million in stock.

Several of the contractors offer helical piers but don’t seem to think they’d be a more cost effective option - we can directly ask about this again.  

The more cash on hand the more options.

We’ve found a great option for us in Tennessee with a cabin (currently used as a str) and a mobile home.

FHA gets a bad rap because sellers and many agents think it's only for people who don't have the money so if I had 20 percent, but wanted to use FHA, I would present a proof of funds with my offer showing I have more money, but am using the FHA as a financial option so I can get an investment property as well somewhere else.

There are better options that don't have minimums.

I don't see it as an issue but many still do, at least in my small town where the majority of renters are elderly people looking for low maintenance housing options.