I’d start by reaching out to local portfolio lenders (credit unions are great for this) or a broker (me) who does investor loans – they usually have products designed exactly for this situation and do a 2nd position that'll allow you to tap into the equity without touching your 1st. 

Thank you in advance.Dondi  This will depend on market and if you are selling a portfolio you may be able to negotiate slightly better terms.

I’m new to real estate investing and want to learn more from others who’ve been in the game longer.

Quote from @William Thompson: One thing I’ve noticed working with a lot of investors is this:People spend a ton of time researching markets, strategies, and financing…but almost no time building the habits that actually keep their portfolio healthy long-term.Here’s the simple truth:Your systems will make or break your growth.Not the market.Not the deal.Not even the interest rate.I’ve seen investors with average deals but great systems outperform people buying in the best markets with none.Things like:Keeping clean booksTracking expenses in real timeReviewing your numbers monthlyHaving a game plan before tax seasonThese aren’t exciting, but they’re the difference between “I think I made money” and “I know exactly what’s working.”Real estate is more forgiving than most businesses… but eventually, disorganization catches up.The investors who last are the ones who treat it like a business early — even when they only own one door.What’s one system or habit that’s helped you stay organized as your portfolio grows? 

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If you’re ever curious about alternative ways to build a portfolio outside of traditional MLS deals, feel free to reach out — there’s a lot of opportunity in overlooked spaces.

Based inSan Diego, building a focused fourplex portfolio in Indianapolis.Investment Criteria:Target: 6-7 fourplexes by 2030Capital: $120K initial + $3Kmonthly contributionsStrategy: BRRRR with professionalteams (not doing work myself)Target neighborhoods: NearEastside, Martindale-Brightwood, Twin AirePurchase range: $180K-$220K with $50K-$65K renovation budgetsWhy Indianapolis: After analyzing 15+markets, Indianapolis offers the optimal combination of:Strong fundamentals (job growth,median income $71K)Abundant fourplex inventory atreasonable entry pointsLandlord-friendly regulationsSustainable cash flow with appreciation potentialSeeking Professional Relationships: 1.

So I require skin in the game (average is 5% to 15%) to offset this.

Our initial equity contribution consisted of a $182,000 down payment.Rehabilitation & Value-Add StrategyEach property underwent a comprehensive renovation designed to elevate the homes to our amenity-rich, luxury rental standard.Total renovation budget: approximately $156,000 per property, or $468,150 for the portfolio.

Over the past 8 years I have added between 10 and 100 properties to my portfolio each year (I also sell properties from my portfolio each year too).