You can also take out a loan/Heloc/other or use a friend or family member to "gift" the temporary funds and pay them back from rent, sale or refinance.You can exit a current home and transition it into a rental and buy a new primary with less money down 3.5% or 5%.If you ever need some additional advise or need more tips or loopholes feel free to reach out check out my profile or send me a quick email. 

Upscale MTRs can earn more, but demand is less predictable, so stress-test your numbers with conservative rates and occupancy.

My goal is to learn the industry and expand our portfolio to provide for my family.

If she's debt adverse you can put larger down payments, have higher cash reserves and take the conservative route.

All your questions about advice on financing and the local market can be answered here on BP.As you work to make and save more money, it couldn't hurt to begin speaking with friends and family. 

I want to start doing BRRRR and had an agent reach out to me and ask me how much I’d would like to leave on deals and suggested 10-20k was the norm.Hi Alvin, BRRRRs are definitely tougher now than a few years ago, but they’re still doable if you buy right and stay conservative with your numbers.

Quote from @Keis J Patterson: Hello BP Team, I have been watching on YouTube for a few years and am now ready to pull the trigger on my 1st Multi-family (2 unit).

I'm a very conservative investor and may look hundreds of deals a year, and at the end of the year only invest in 4-5.

Quote from @Elealeh Fulmaran: Investing in Bay Area I second Elealeh's comments regarding small multi-family, house hacking or ADU construction.

If your subject (0.5 acres) looks more like the lower end of the lot sizes, value it against those.Only give premium value to land if the market clearly rewards it (rural, equestrian, estate-style, or where people actually shop by acreage).If all comps are bigger (0.75–1.25 acres), we mentally adjust down a bit, not a percentage, just enough to keep our ARV conservative.