1 Hour Away from Indy - Lending options?

[Ryan Ness]

I am currently located in Lafayette, Indiana. I have been living in a duplex househack that I purchased in 2021. I would always prefer to use as low a down payment as possible, but I understand that being located 1 hour from Indianapolis may present some challenges.

I currently have a W2 income in Lafayette and am a licensed realtor in Indiana as well. I have not been as focused on the real estate sales and have really just held onto my license for the time being.

Are there any lenders that would be a good fit for this scenario? I do not see myself doing 20% down on any property greater than $150,000 to ensure I still have reserves.

I have already linked up with some Realtors based in Indiana and have property searches going, but I want to be sure I am set to submit offers when the opportunity arises. I have been working on sourcing deals in Lafayette as well, but the market is pretty thin here compared to the options even just on the MLS in Indy. I have 2 options on the MLS here in Lafayette that I know do not work, but there are 11 in Indy in my list of options at the moment just as an example.