I would pull out the cash then put 20% down on good cash flowing rentals.

They ask for a Zelle or Cash App payment so they can steal your money.

True.

. $204,500 @ 17.5%– $35787Estimated Net Proceeds to Seller$350,213Owner Finance: OFFERSale price 350000 Down payment $20,000 Owner finance note for the remaining: $330,000Interest rate: 3%Term: 30 years (fully amortized)Balloon payment: We pay off the entire remaining balance after 8 yearsWhat you actually receive over the 8 years.Down payment (day 1) $20,000 pure cash profitMonthly payment (years 1–8) $1,392.97/mo × 96 months = $133,725Part principal, part interest Of that $133,725: Interest portion ≈ $71,150 your profit minus taxesPrincipal portion≈ $62,575Balloon payment at end of year 8 ≈ $267,425 (remaining balance) capital gains Total cash you receive over 8 years≈ $421,150Your true profit (down + interest)≈ $91,150Estimate Closing Cost ($5,200)Capital gains ($35,787)Net Proceeds $380,163 Never provide owners advice on owner financing.

Totally agree, it’s rare to find a true BRRRR that hits all the marks anymore.

Option 2) Find a co-borrower who has cash and is willing to pay cash and you do the work.

Not true.  

With the market being more unpredictable, I’ve shifted from chasing appreciation to prioritizing steady cash flow and diversification across different properties.

That is, we tend to use very current information to make long-term decisions, assuming that everything today will also be true tomorrow and the day after.

I have 33 rentals producing enough cash flow to support me the rest of my life, but I enjoy my work and continue working.