If it's tight or you're uncomfortable with the tenant you have in there from a confidence perspective, especially if this is a first deal, maybe meet in the middle and get a lender at 75% or 77% (doesn't HAVE to be at 5% increments) that wont make you season, and leave a bit more money in the deal, but sleep better.Overall, if I cash flow well, have/keep reserves, and am comfortable I fixed everything in the house, I like to max out the LTV on refi.

Used an existing frame down in Belize to build our house down there.  

house hacking is still a very good option even in this market.

Btw one of the transactions was on an $800k house in an A area.

do you plan to live in it / house hack it, or will it be a rental? 

We have in-house professional design/furnishing/contracting, in-house management at 15% for clients only, and you work directly with me on the purchase.  

I'm talking about using your "spare money" only, don't sell your house, don't sell your undershirt, and don't sell all your asset to do it, too risky! 

You are not buying a brand new house .

I have a house in my target area coming up for auction in Cleveland. 

I quit my job 2022, live off rental income and we house hack a large 3 level house with rents totally covering mortgage.She has excellent credit and six figure yearly income.