Recently had a massive windfall that gives me the opportunity to make multiple downpayments. I have 2 properties before this occurred fully paid under my name. I went conventional and did 20% DP for those 2 properties but prevented me from scaling up.

Would it be better to scale up with multiple "small" downpayments for multiple properties since the opportunity cost would be better than 20% DP once at a time. I'm not saying buying multiple right away (DTI, etc but I have LLC will be doing DSCR) but will be doing atleast 1 property a year.

Also, did the math calculations, literally only saving 150 to 200 a month for a 20% DP (PMI included for low DP). Cash Flow will easily cover that difference. So the opportunity cost is huge. This is STR only btw in a good area with currently no regulations (Transition to MTR if occurrs in the future, AirDNA data supports potential success and talked to other homeowners in area, also did enemy method analysis).

I just don't see why pay 20% DP for only around 150 to 200 lower monthly payments and it will take long to recoup that 20% to put it on another property. Could easily net 1k per property in the area with minimal DP.

Thanks