Can be either cash or financing.

Hi Nick, I would advise looking in the Midwest markets for both cash flow and appreciation.

Refinancing / Cash-Out OptionsPrimary Rental (SFH, $3.5M value, $300k owed):Current LTV ≈ 8.5% — huge equity.A conventional cash-out refi could let you pull up to 70–75% LTV.

Now, as I have always said, "when properly trained, an investor using Creative Finance, always records the Deed, Uses a Title Report, clears the items on Title, Uses Escrow, pays all back payments, pays any transfer taxes, brings the property taxes current, brings the HOA current, brings the electricity, water and lawn care current, writes a check to the seller for their equity (for whatever the agreement was), gives the seller a comfortable amount of time to locate a place to move to, takes the property "as is" and makes every payment in the correct amount, on time.

Cash flow is king as the saying goes.  

Cease Transfers: Refrain from transferring any more money to themselves. ​

You’re putting too much emphasis monthly cash flow.

Once you move out later, the cash flow improves (your report shows that too — cash flow slowly climbs over the next few years).A few thoughts:1.

If you are going to maintain outside employment to pay the bills, have the skillset be at least partially transferable.

Quote from @Court Kellum: I have about 400k cash or so to invest.I'm not looking to take out any debt, however I'm open to it, but is it possible to buy something with this amount of money and net around 3500-4000 a month?