To truly maximize capital and boost cash flow, especially when market appreciation is uncertain, incorporate cost segregation into your plan.

Make sure you confirm:max CLTV,seasoning requirements (if any),and whether draws are allowed during rehab.2) Rate & payment risk during rehabHELOC rates are variable, so you want enough liquidity to absorb higher payments if rehab runs longer than planned.3) Refi execution mattersWhen you go to refi into a 30-year loan, lenders will look closely at:occupancy history,stabilized value vs purchase price,and whether the rental income supports the new payment.Planning the refi before you buy is key.4) Exit clarityRenting by the room can boost cash flow short-term, but make sure the long-term refi lender will underwrite the property the way you intend to hold it.Done right, this is essentially using a HELOC as bridge capital, then locking in long-term debt once the asset stabilizes — which can be very effective.Curious — are you planning to refi as owner-occupied or investment once the rehab is done?

Cost segregation can dramatically accelerate depreciation and tax benefits, but I've seen investors waste money on studies that delivered minimal value.

I’m not sure rates will dramatically change in a couple of months, but no one knows.

Pricing in Austin has increased dramatically this last 18 months.

In high‑tax NJ, consider house hacking a small multi or bedroom rent to boost savings, or learn out‑of‑state buy‑and‑hold where numbers work better.

It's important to be able to see exactly where you are now and find the best path forward if there are areas (credit, income, cash, etc..) that you will need to boost before you can qualify.FHA can be a great option if you're looking for a duplex, but it won't likely work for a triplex due to some quirks of the loan type. $15k is not going to get you very far on a duplex purchase unless you're able to get concessions to cover closing costs, however.I'd be happy to chat via DM, phone, or in-person in Oregon City.

The math has changed dramatically - you can now get defensible studies at room42.io for $500-600 instead of $5k+, which opens up cost seg for single-family and small multifamily investors who were priced out before.

This is a huge kick in the teeth for landlords in the city, especially as we received dramatically increased costs through Mayor Bibb's new orders on Lead testing requirements. 

This has helped dramatically with the folks that do want to break the lease in order to purchase.