I am in one of the higher tax brackets and could be saving around 40k~ a year on taxes with this.

Or should I wait it out a couple of years until I have a larger amount saved up.

Hey all,Does anyone have any personal experience with First Savings Bank and their 1st lien HELOC?  

The third property has a nice cash flow.I am wondering if there are steps I can take to reduce the cashflow issues of the 2 properties before obtaining another property, like pay down the mortgages or should I just save the cashflow from the third property to pay for any future expenses?

After you purchase your first property, I would use some of your savings to do a BRRRR or a flip and potentially a rental as well.

I recommend two accounts: checking and savings.

However, we have found time and time again that 10-20 hours of preparation on the front end can save you 50-60 hours during the renovation.

If you don’t have a large down payment saved up, don’t worry—there are plenty of options available . . .”A trusted lender will go over the various loan types with you, any down payment requirements on those, and down payment assistance programs you may qualify for.

That shows real estate can be possible for anyone; in my opinion, I know everyone has unique and challenging situations, but in principle, anyone who can follow some basic budget fundamentals can save up enough for a down payment.Grateful BiggerPockets continues to bring more people into the industry!

Without any cash it is unlikely unless you can find a 100% seller financed deal (they do exist, I just did one a few months ago).